The Battle for Your Wallet

Two Dangerous Wars Already in Motion:

Are you prepared?

Many people don’t realize this, but right now there are two dangerous wars taking place – both are equally destructive, both can wipe out your hard earned wealth within an instant. If you aren’t prepared you too could be wiped out.

This is nothing new. We have seen these two wars before and know the results. They are not good! In fact, many believe these two wars destroyed what many believed was an “invincible empire”.  These two silent killers rob like a thief in the night.  They take no prisoners and the damage is done before you’ll realize what happened.

The sad truth is neither of these wars are from foreign enemies.  These all take place within. The fastest way to destroy a country is from within. History has shown time and time again, you make these two major mistakes and so goes your place at the top…

For the past few years, I have been warning that there has been a MAJOR shift in our economy.  Those who are prepared have the potential to make money through the storm. Those who try to maintain the status quo could lose it all!

Please let me blunt for a moment.  America is following in the footsteps of the Roman Empire.

Let me explain real briefly:

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Should You Pay Off Your Mortgage BEFORE You Retire?

To retire your debt before you retire?

Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get the job done?

In reality, things are not so cut and dried. There is a fundamental opportunity cost to consider. If you decide to put more money toward your mortgage, what could that money potentially do for you if you were to direct it elsewhere?

In a nutshell, the question is: should you pay down low-interest debt, or should you invest the money into a tax-advantaged account that could potentially bring you a strong return?

Relatively speaking, home loans are cheap debt. Compare the interest rate on your mortgage to the one on your credit card. Should you focus your attention on a debt with 6% interest or a debt with 15% interest?

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8 Characteristics That Make Up a Great Company

Here’s my latest article from Benzinga.com:

It takes a firm foundation!

Whether you’re building a house or a stock portfolio, success starts with a proper foundation. A house built upon the sand will quickly come tumbling down. Likewise, a portfolio built on weak stocks will inevitably produce poor results.

One of the biggest reasons most investors fail is because they are fail to build a proper foundation for their portfolios.

It doesn’t take a  hyped-up article from the Wall Street Journal or Barron’s, a buy signal from Cramer, or an upgrade from a respected analyst that makes a stock a great buy. A great company possesses key attributes that set it apart from the rest of the pack. These basic building blocks make up what we at Faith-Based Investor call a “firm foundation”.

Here are 8 characteristics that make up a great company:

1. Needed Products and Services: It goes without saying, a company must have needed products or services. If a company has products and services nobody wants, they go out of business, plain and simple.  Or if there isn’t a market to support their growth, then it stands to reason not many people will want to buy the stock either. It all comes down to supply and demand.

However, if you’ve found a company with products or services that are in high demand—you could be sitting on a gold mine.   Did you buy Apple (NASDAQ: AAPL) when the Ipod first came out?   Or Crocs Inc. (NASDAQ: CROX) when the rubber shoes first became popular?  Or Netflix (NASDAQ: NFLX) when they first revolutionized the video rental business? You get my point; Companies (even if they are a fad must have a product or service in high demand). Finding a company with products or services that are in high demand is a must!  Don’t just look for fads but look for companies with staying power – those that can stand the test of time.

2.  Markets: Consider the markets within which a company operates. If the market size can’t support sustainable growth or the marketplace is full of competitors with similar or better products, you could be wasting your time and money. We refer to this as a “moat”.  If a company has no competitive advantage, it will eventually be swallowed up by fiercer, more dominant competitors.

Try to find a company with superior products or services that has few, if any, competitors and is operating within a unique market niche that is rapidly expanding. Finding such a company is a hard task indeed, but trust me, the fruits of your labor will be more than worth it.

3. Increasing Revenues and Earnings: In the investing world, a firm’s revenues and earnings are by far the main attraction. Nothing is sweeter to Wall Street’s ears than a company reporting, year-over-year, increasing revenues and earnings. If a company falls short on the earnings side, it is likely the stock will be punished. If a company exceeds expectations, it is highly probable the stock will be headed higher.

Read more: http://www.benzinga.com/trading-ideas/long-ideas/11/02/885248/8-characteristics-that-make-up-a-great-company#ixzz1FH5KATRN

Need Debt Relief? Here are 5 Options…

This is a guest post from Alan.

Want to write an article?  Submit your ideas to info at jayperoni.com.

Debt Relief Solutions

Plenty of consumers are currently facing a crisis with the debt they acquiredbefore the recession took hold of the American economy. By now we’re all too familiar with the much-discussed collapse of home values and the seemingly limitless supply of foreclosures that continue to flood the market. But the national problem with unsecured debt, typically in the form of high-interest credit card debt, threatens to become an issue of comparable significance as consumers scramble to find an appropriate solution.

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Rethink Wealth Podcast Episode 11: Four Investment Scenarios to Be Prepared For

On this episode:

* More Trouble in the Middle East: What does this mean for the markets?

* 4 Investment Scenarios: Some trading ideas to potentially profit from

* Technology Showdown: 10 technology stocks on our radar screen

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Podcast 11

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How to Build a Profitable Online Business Webinar Replay

Need more income?

Want to start a business or take your current business to another level?

Have you ever wanted to learn what it takes to create a successful blog and reach millions of interested readers?

Want to create a part-time or full-time money making opportunity doing something you absolutely love?

You won’t want to miss this exciting webinar with Jay Peroni, CFP, Chief Investment Officer at Faith-Based Investor, and author of The Faith-Based Millionaire.   Joining Jay is special guest Bob Lotich, founder of ChristianPF.com, one of the most successful Christian finance blogs in the world.  Come hear how both Bob and Jay have used the web to create highly profitable businesses.

The web offers unlimited opportunity!

It all comes down to:

1. Identifying the right target market

2. Crafting the proper message to reach your potential audience

3. Using the correct media channels (print, online, radio, TV, etc) to capture your audience’s attention

4. Having a way to measure your successes and failures

In this webinar you will learn:

* How to start an online business

* how to attract an audience

* How to create a profitable blog

* How to expand your business and create multiple streams of income

* How to research and find topics people are already searching for

All this and a WHOLE LOT MORE!

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how to build a profitable online business

Rethink Wealth Podcast Episode 10: How Do You Earn More Income with Your Investments?

On this episode:

We’ll take a look at:

  • Jay’s economic update and global outlook
  • 7 mighty traits for dividend investors
  • Inflation in China: when’s it going to hit the U.S.?
  • Protests in Wisconsin: Is this a prelude to riots in the U.S.?

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Podcast 10

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