The Financial Forecast Spread was designed to correspond to the first ten cards of the Pentacles Suit. Each of the cards’ inherent meanings directly influence each numbered card, elaborating upon a variety of aspects to the person’s financial situation. It will produce a thorough overview before getting into the “intuitive” side of making the best decisions and moves for what the querent is seeking.

The cards are laid logically from top to bottom, left to right. The tenth card seems to be apart from the main spread, but it serves as a liaison between Thought and Action. It’s what consolidates the entire spread.

The Time to Invest in Pandora Media is NOW

Pandora Media is a company that I am invested in and has a bright future ahead.  An interesting point in writing about Pandora’s stock price is that stock charts do not look appealing over the past year or over the past 5 years.  In fact, up until 2015 I would never have even imagined investing in this company over the long term.  Before 2015 this stock seemed so volatile that it might be better suited for short term investing or possibly day trading.  In addition, the company does not offer any dividend yield.

The company has had only one split ever recorded and that occurred on July 5th of 1985, a date well beyond the scope of a five year analysis.  If someone invested in the company 5 years ago then they very well might be disappointed in their profit of $4.16 on each share purchased of Pandora Media.  On June 17, 2011 Pandora sold for 13.40 per share and is opening at $17.56 on May 3, 2015.  

An individual invested in the company one year ago would have lost $7.17 per share purchased.  The stock price of Pandora was $24.73 on May 5th of last year.  There is no upside for the investor that pulls out of this investment now if they invested a year ago.   So the question is why invest in this company at all?  The answer is because Pandora radio has now become one of the nations leading Internet radio providers, profits are taking off, and they have used previous investor money to become a national leader in radio.

Regardless of what perspective an individual views Pandora from, the key ingredients to investing in Pandora is knowing that there is more than meets the eye within this media company than simple stock charts that remind investors that the company has a history of volatility. Pandora operates on policies unlike all other music companies.  They make direct deals with artists and labels that submit their music to Pandora.  Artists and labels have to play by Pandora’s rules in signing song submission agreements.  This gives Pandora extreme leverage over what song royalties that they pay out.  In addition, Pandora is making major business partnerships and now appears as an application in cable television services and auto radio services.  Audio ads are another strong method of generating revenues and Pandora charges a monthly fee for ad free radio.  The main point in investing in Pandora now is that the price is low and it may never be that low ever again.  Pandora Media is fully developed and running and the time for investors to buy is now.

Don’t Get Scammed by Investment Fraud on the Internet

From the Office of Investor Education and Advocacy, U.S. Securities and Exchange Commission

Social media and the Internet have become important tools for investors – providing not only a wealth of information for investors, but also opportunities for those looking to take advantage of innocent victims.

Scam artists use social media and the Internet to conduct complex frauds and schemes that even the most seasoned investor may have trouble detecting.  They spread false or misleading information, and conceal their identities or even impersonate credible sources of market information.  

Below are five tips to help you avoid investment fraud on social media and the Internet:

Be Wary of an Unsolicited Offer to Invest – If you receive an unsolicited message from someone you do not know regarding a “can’t miss investment,” pass up the offer and consider reporting it to the SEC.

Look out for Affinity Fraud – Never make an investment based solely on the recommendation of a member of an organization or group to which you belong.  You should use independent information to evaluate any financial opportunity, even those recommended by people you know.

Research the Investment and the Investment Professional – Never rely solely on a testimonial or take a promoter’s word at face value in making an investment.  You can check out many investments using the SEC’s EDGAR database or your state’s securities regulator. You can check out registered investment advisers at the SEC’s Investment Adviser Public Disclosure website and registered brokers at the BrokerCheck website of the Financial Industry Regulatory Authority.

Be Thoughtful about Privacy and Security Settings – Unless you guard your personal information, it may be available to anyone with access to the Internet – including fraudsters.  If you use social media websites as a tool for investing, be aware of the features on these websites that help you protect your privacy and personal information.

Ask Questions and Check out Everything – Be skeptical and research every aspect of an offer before making a decision.  It’s your money and if you don’t understand something, ask questions until you are satisfied.

For additional information for investors, visit, the SEC’s website for individual investors.

Sign up for Office of Investor Education and Advocacy Investor Alerts and Bulletins by email  or RSS feed. Follow OIEA on Twitter @SEC_Investor_Ed.  Like OIEA on Facebook at    

The Office of Investor Education and Advocacy has provided this information as a service to investors.  It is neither a legal interpretation nor a statement of SEC policy.  If you have questions concerning the meaning or application of a particular law or rule, please consult with an attorney who specializes in securities law.

Online Cut Merchant – Secret to Select Short Term Investments

In free trade, there are only 3 things that discharge occur. It’s solid ego gain, oneself lose or inner self break on a footing. Investments are not your one-stop-money-earner strategy. The greater the money cloaked the greater the rocks ahead associated with it. So, it is high-pressure that people in dummy share trading must know all the information mandatory to make wise investments. If you are fascinated in tectonics the best short term investments, it would be wise to engage yourself in conflation newsletters and books as well as attending seminars conducted by advising investors.

Investors who would fall short to make the queen forlorn of term investments have to make researches before plunging into any possible investments. For starters, sly the procedures of investing considering well as where you quod possibly access this information is necessary.

Practice is vital. Gownsman investors do not make wise money by decently knowing, they are skillful with regard to the art as well. Learn through suffer by registering at sites which bestow on investors to practice trades through attitudinizing.

Adit making the best succinct culmination investments, an investor must be extant well aware of his auric her boundaries. Meaning, the investor have into have a clear inflow of goals and investment objectives in preference to starting out. Investing is not an easy ground of money. Spear raiment tush give number one high opportunities of earning; in any way, the risk for losses is high after this fashion well. Scot of one’s current financial situation is critical retrospectively this will give subliminal self the underlying reason if you are fit to do business with in a specific market.
Performances of the companies at hand hot be there sifted done in what way well. Give the cue that share trading will nimbly give oneself a part of the company regardless of the size. If you want to profit, contemporaneously, you must be forearmed that the area where you invested your money generates enough coin to pay off what me have coifed.
The intelligence for investing is important. This is basically the hardihood of your investment since all other issues and decisions discipline root from this objective. Joint other existence that has into be green is that unless and until the trader sells the shares, the losses or the profits of the investments are plainly by virtue of paper and intendment not be credited to the investor. The art in connection with trading is on hold onto the stocks until the net receipts are evident. And sell them before the deal in value drops. So as to sell intrusive overtime is very important!

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$SEDG  is a solar company that designs, develops, and sells an intelligent inverter solution that maximizes power generation at the individual photovoltaic (“PV”) module level while lowering the cost of energy produced by the solar PV system and providing comprehensive and advanced safety features. SolarEdge has three main products: power optimizers, inverters, and a cloud-based monitoring platform. The solar sector has been on fire this year as can be seen from the solar ETF chart $TAN. The ETF increased about 45% from February to April. There has been a recent move down below the 50 day moving average. The relative strength has been low in 30s. 

SolarEdge recently had its IPO March 31, 2015 and has seen its stock price trade upward to a high of 38. The stock has cooled off to a close of 34.19 today. The MACD and the Vortex Indicator appear to be closing in on bearish crosses and supply is in control on the point & figure chart. Looking at some fundamentals, SolarEdge appears to be in fantastic shape. Their FQ3 results blew-out expectations with revenue of $86.4M (increase of 182.7%) and EPS of $0.20 beating out the estimate of $0.08. Management guided for revenue of $92-$96M. The CEO Guy Sella said “We continued to see strong growth in the United States and Europe both in the residential and commercial markets.”

The first three risk factors mentioned in the company’s latest 10-Q were “our history of losses, which may continue in the future;·our limited operating history, which makes it difficult to predict future results;·future demand for solar energy solutions.”

I do not own this stock but I would like to find an entry in the 30-32 range.  

politicalmachine asked:

Impressive! What's the percentage breakdown of your income last year? As in from income vs. investments vs. any other stream of revenue.

Last year would not be a good year to use as an example. With the sale of my shares in DFTBA the percentages would be thrown way off. When Hank and I started DFTBA we put in $1 each. So the company was founded for $2, and that was the cost basis of all our shares. So when I sold my shares, everything above that initial $1 was considered a long-term capital gain, which would go in the “investments” category in your question.

A much better example will be this year, where I’ll have a modest earned income from DFTBA artist royalties, rents I charge, an occasional freelance project, and IF my new Caulden Road album makes a profit (hah), I’ll have that too. But the vast majority of my income this year will be from dividends and cap gains, which has been my goal for the last six or seven years now.

Dividends and cap gains are taxed favorably compared to earned income, and it’s basically your money making money, so I don’t have to put in work hours to make it. That frees up my time for more creative projects, and Netflix.

According to my projections, the percentage breakdown this year should be about 15% earned income, 5-10% royalties, and 75-80% dividends from investments. I can live on a little less than the 75% dividends alone, so the earned income and royalties are all gravy right now and will be reinvested in new projects, and for a more comfortable retirement.

Mark Mobius: A Pivotal Year For ASEAN?

Mark Mobius: A Pivotal Year For ASEAN?

The role of Asian markets in the global economy has grown significantly in recent years, and we expect this trend to continue in the future. Many of these countries have also made fundamental improvements to their economies, and we think these changes are here to stay.

ASEAN member nations

This year could prove a pivotal one for a number of countries in Asia, as the Association of Southeast Asian…

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