How Deutsche Bank Crisis Could Affect Your Investment – Part I

The biggest news in the financial markets yesterday was Deutsche Bank.  The shares of DB have fallen more than 7% since yesterday.  This month alone, the share prices have plummeted more than 30%. However, the Dow was pretty resilient to the news and merely dropped 1%.  It seems that people don’t think Deutsche Bank will… Continue reading How Deutsche Bank Crisis Could Affect Your Investment – Part I

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Covered Calls on High Yield Dividend Stocks to Boost Returns

Writing covered calls on high yield dividend stocks to boost returns in the investment portfolio is a popular strategy because the call option premium protects the drop in share price on the ex-dividend date.  Higher yield means lower risk.  By selling a covered call option, we receive the option premium.  The premium received lowers the… Continue reading Covered Calls on High Yield Dividend Stocks to Boost Returns

Phasing out SPG by 2018

Based on Marriott’s response, SPG members and American Express SPG cardholders are going to be very disappointed.  For now, Marriott plans to continue operating both programs at least through the next two years, before eventually phasing out SPG. The key phrase is “phasing out SPG.” SPG is linked to American Express.  By phasing out SPG… Continue reading Phasing out SPG by 2018

All You Need Is a Simple, Well-Diversified Portfolio – Part II

3. No Market Timing.Dollar cost averaging is king.  The key principle is keep investing at a regular interval.  You never need to worry about the buy-low-sell-high, or hedging, or any other short term investment techniques.  Markets are random and unpredictable.  Dollar cost averaging will reduce the risks in the long run. 4. The Power of… Continue reading All You Need Is a Simple, Well-Diversified Portfolio – Part II

All You Need Is a Simple, Well-Diversified Portfolio – Part I

No time to do any research or read any financial reports?  Not a problem.  You are not along.  I am one of you.  Make your investment strategy as simple as you can.  Because the last thing we need to worry about is to time the markets, to worry about FED raising interest rates, or to… Continue reading All You Need Is a Simple, Well-Diversified Portfolio – Part I

How to Start Investing with Little Money

After I graduated from the college and landed my first full-time job, I realized how important investing was.  I needed money for retirement, emergency funds, vacation money, and so on and so forth. For my retirement, starting the 401K at work was simple.  I simply invested the maximum amount that the company would match 100%.… Continue reading How to Start Investing with Little Money

Build a Portfolio with Dividend-Paying Stocks and Covered Calls to Maximize Returns – Part 2

Benefits of Covered Call Writing Covered calls writing generates returns in three ways: The call writer collects the premium up front. The covered call writer earns any dividends paid on the call-covered stock. The call writer may realize the gain when the underlying stock price goes up. For example, AT&T is trading at $35.  The… Continue reading Build a Portfolio with Dividend-Paying Stocks and Covered Calls to Maximize Returns – Part 2

Build a Portfolio with Dividend-Paying Stocks and Covered Calls to Maximize Returns – Part 1

Dividend Stocks Stock dividends are a great way to increase earnings in a low interest rate environment.  Combined with the covered call writing strategy, we can increase our returns on investment and minimize the downside risks at the same time. If you don’t need the income from dividends now, you can opt in to take part… Continue reading Build a Portfolio with Dividend-Paying Stocks and Covered Calls to Maximize Returns – Part 1

Be a Worry-Free Long-Term Investor

Saving for retirement is a long-term process that we need to visit our portfolio and evaluate the fundamental investment strategy every 6 to 12 months.  The day to day market fluctuations don’t matter but it is important to see and analyze the big picture. Re-balance your asset allocations if your level of investment risk has… Continue reading Be a Worry-Free Long-Term Investor

Delta’s Global Upgrade Certificates Are Excellent Benefits

Delta’s Global Upgrade Certificate gives you the best value of the choice benefits as a Diamond Medallion.   Here are the Diamond members’ Choice Benefits and their evaluation: BENEFIT DESCRIPTION VALUE Upgrade Certificates 4 Global OR 8 Regional OR 2 Global AND 4 Regional (2017 Medallion Year only) $1,000+ PER GLOBAL UPGRADE CERTIFICATE$200+ PER REGIONAL CERTIFICATE (Routes Matter)LAX to… Continue reading Delta’s Global Upgrade Certificates Are Excellent Benefits