Monday, December 24, 2012

The Invisible Women of the Great Depression

During the Great Depression, women made up 25% of the work force, but their jobs were more unstable, temporary or seasonal then men, and the unemployment rate was much greater. There was also a decided bias and cultural view that "women didn't work" and in fact many who were employed full time often called themselves "homemakers." Neither men in the workforce, the unions, nor any branch of government were ready to accept the reality of working women, and this bias caused females intense hardship during the Great Depression.

The 1930's was particularly hard on single, divorced or widowed women, but it was harder still on women who weren't White. Women of color had to overcome both sexual and racial stereotyping. Black women in the North suffered an astounding 42.9% unemployment, while 23.2%. of White women were without work according to the 1937 census. In the South, both Black and White women were equally unemployed at 26%. In contrast, the unemployment rate for Black and White men in the North (38.9%/18.1%) and South (18%/16% respectively) were also lower than female counterparts.

The financial situation in Harlem was bleak even before the Great Depression. But afterward, the emerging Black working class in the North was decimated by wholesale layoffs of Black industrial workers. To be Black and a woman alone, made keeping a job or finding another one nearly impossible. The racial work hierarchy replaced Black women in waitressing or domestic work, with White women, now desperate for work, and willing to take steep wage cuts.

The Invisible Women of the Great Depression

Survival Entrepreneurs
At the start of the Depression, while one study found that homeless women were most likely factory and service workers, domestics, garment workers, waitresses and beauticians; another suggested that the beauty industry was a major source of income for Black women. These women, later known as "survivalist entrepreneurs," became self-employed in response to a desperate need to find an independent means of livelihood."

Replaced by White women in more traditional domestic work as cooks, maids, nurses, and laundresses, even skilled and educated Black women were so hopeless, ''that they actually offered their services at the so-called 'slave markets'-street corners where Negro women congregated to await White housewives who came daily to take their pick and bid wages down'' (Boyd, 2000 citing Drake and Cayton, 1945/1962:246). Moreover, the home domestic service was very difficult, if not impossible, to coordinate with family responsibilities, as the domestic servant was usually on call ''around the clock'' and was subject to the ''arbitrary power of individual employers.''


Inn Keepers and Hairdressers

Two occupations were sought out by Black women, in order to address both the need for income (or barter items) and their domestic responsibilities in northern cities during the Great Depression: (1) boarding house and lodging house keeping; and (2) hairdressing and beauty culture.

During the "Great Migration" of 1915-1930, thousands of Blacks from the South, mostly young, single men, streamed into Northern cities, looking for places to stay temporarily while they searched for housing and jobs. Housing these migrants created opportunities for Black working-class women,-now unemployed-to pay their rent.

According to one estimate, ''at least one-third'' of Black families in the urban North had lodgers or boarders during the Great Migration (Thomas, 1992:93, citing Henri, 1976). The need was so great, multiple boarders were housed, leading one survey of northern Black families to report that ''seventy-five percent of the Negro homes have so many lodgers that they are really hotels.''

Women were usually at the center of these webs of family and community networks within the Black community:

"They ''undertook the greatest part of the burden'' of helping the newcomers find interim housing. Women played ''connective and leadership roles'' in northern Black communities, not only because it was considered traditional "woman's work," but also because taking in boarders and lodgers helped Black women combine housework with an informal, income-producing activity (Grossman, 1989:133). In addition, boarding and lodging house keeping was often combined with other types of self-employment. Some of the Black women who kept boarders and lodgers also earned money by making artificial flowers and lamp shades at home." (Boyd, 2000)

In addition from 1890 to 1940, ''barbers and hairdressers'' were the largest segments of the Black business population, together comprising about one third of this population in 1940 (Boyd, 2000 citing Oak, 1949:48).

"Blacks tended to gravitate into these occupations because "White barbers, hairdressers, and beauticians were unwilling or unable to style the hair of Blacks or to provide the hair preparations and cosmetics used by them. Thus, Black barbers, hairdressers, and beauticians had a ''protected consumer market'' based on Whites' desires for social distance from Blacks and on the special demands of Black consumers. Accordingly, these Black entrepreneurs were sheltered from outside competitors and could monopolize the trades of beauty culture and hairdressing within their own communities.

Black women who were seeking jobs believed that one's appearance was a crucial factor in finding employment. Black self-help organizations in northern cities, such as the Urban League and the National Council of Negro Women, stressed the importance of good grooming to the newly arrived Black women from the South, advising them to have neat hair and clean nails when searching for work. Above all, the women were told avoid wearing ''head rags'' and ''dust caps'' in public (Boyd, 2000 citing Drake and Cayton, 1945/1962:247, 301; Grossman, 1989:150-151).

These warnings were particularly relevant to those who were looking for secretarial or white-collar jobs, for Black women needed straight hair and light skin to have any chance of obtaining such positions. Despite the hard times, beauty parlors and barber shops were the most numerous and viable Black-owned enterprises in Black communities (e.g., Boyd, 2000 citing Drake and Cayton, 1945/1962:450-451).

Black women entrepreneurs in the urban North also opened stores and restaurants, with modest savings ''as a means of securing a living'' (Boyd, 2000 citing Frazier, 1949:405). Called ''depression businesses,'' these marginal enterprises were often classified as proprietorships, even though they tended to operate out of ''houses, basements, and old buildings'' (Boyd, 2000 citing Drake and Cayton, 1945/1962:454).

"Food stores and eating and drinking places were the most common of these businesses, because, if they failed, their owners could still live off their stocks."

"Protestant Whites Only"
These businesses were a necessity for Black women, as the preference for hiring Whites climbed steeply during the Depression. In the Philadelphia Public Employment Office in 1932 & 1933, 68% of job orders for women specified "Whites Only." In New York City, Black women were forced to go to separate unemployment offices in Harlem to seek work. Black churches and church-related institutions, a traditional source of help to the Black community, were overwhelmed by the demand, during the 1930's. Municipal shelters, required to "accept everyone," still reported that Catholics and African American women were "particularly hard to place."

No one knows the numbers of Black women left homeless in the early thirty's, but it was no doubt substantial, and invisible to the mostly white investigators. Instead, the media chose to focus on, and publicize the plight of White, homeless, middle-class "white collar" workers, as, by 1931 and 1932, unemployment spread to this middle-class. White-collar and college-educated women, usually accustomed "to regular employment and stable domicile," became the "New Poor." We don't know the homeless rates for these women, beyond an educated guess, but of all the homeless in urban centers, 10% were suggested to be women. We do know, however, that the demand for "female beds" in shelters climbed from a bit over 3,000 in 1920 to 56,808 by 1932 in one city and in another, from 1929 -1930, demand rose 270%.

"Having an Address is a Luxury Now..."
Even these beds, however, were the last stop on the path towards homelessness and were designed for "habitually destitute" women, and avoided at all cost by those who were homeless for the first time. Some number ended up in shelters, but even more were not registered with any agency. Resources were few. Emergency home relief was restricted to families with dependent children until 1934. "Having an address is a luxury just now" an unemployed college woman told a social worker in 1932.

These newly destitute urban women were the shocked and dazed who drifted from one unemployment office to the next, resting in Grand Central or Pennsylvania station, and who rode the subway all night (the "five cent room"), or slept in the park, and who ate in penny kitchens. Slow to seek assistance, and fearful and ashamed to ask for charity, these women were often on the verge of starvation before they sought help. They were, according to one report, often the "saddest and most difficult to help." These women "starved slowly in furnished rooms. They sold their furniture, their clothes, and then their bodies."

The Emancipated Woman and Gender Myths
If cultural myths were that women "didn't work," then those that did were invisible. Their political voice was mute. Gender role demanded that women remain "someone's poor relation," who returned back to the rural homestead during times of trouble, to help out around the home, and were given shelter. These idyllic nurturing, pre-industrial mythical family homes were large enough to accommodate everyone. The new reality was much bleaker. Urban apartments, no bigger than two or three rooms, required "maiden aunts" or "single cousins" to "shift for themselves." What remained of the family was often a strained, overburdened, over-crowded household that often contained severe domestic troubles of its own.

In addition, few, other than African Americans, were with the rural roots to return to. And this assumed that a woman once emancipated and tasting past success would remain "malleable." The female role was an out-of-date myth, but was nonetheless a potent one. The "new woman" of the roaring twenties was now left without a social face during the Great Depression. Without a home--the quintessential element of womanhood--she was, paradoxically, ignored and invisible.

"...Neighborliness has been Stretched Beyond Human Endurance."
In reality, more than half of these employed women had never married, while others were divorced, deserted, separated or claimed to be widowed. We don't know how many were lesbian women. Some had dependent parents and siblings who relied on them for support. Fewer had children who were living with extended family. Women's wages were historically low for most female professions, and allowed little capacity for substantial "emergency" savings, but most of these women were financially independent. In Milwaukee, for example, 60% of those seeking help had been self-supporting in 1929. In New York, this figure was 85%. Their available work was often the most volatile and at risk. Some had been unemployed for months, while others for a year or more. With savings and insurance gone, they had tapped out their informal social networks. One social worker, in late 1931, testified to a Senate committee that "neighborliness has been stretched not only beyond its capacity but beyond human endurance."

Older women were often discriminated against because of their age, and their long history of living outside of traditional family systems. When work was available, it often specified, as did one job in Philadelphia, a demand for "white stenographers and clerks, under (age) 25."

The Invisible Woman
The Great Depression's effect on women, then, as it is now, was invisible to the eye. The tangible evidence of breadlines, Hoovervilles, and men selling apples on street corners, did not contain images of urban women. Unemployment, hunger and homelessness was considered a "man's problem" and the distress and despair was measured in that way. In photographic images, and news reports, destitute urban women were overlooked or not apparent. It was considered unseemly to be a homeless woman, and they were often hidden from public view, ushered in through back door entrances, and fed in private.

Partly, the problem lay in expectations. While homelessness in men had swelled periodically during periods of economic crisis, since the depression of the 1890's onward, large numbers of homeless women "on their own" were a new phenomenon. Public officials were unprepared: Without children, they were, early on, excluded from emergency shelters. One building with a capacity of 155 beds and six cribs, lodged over 56,000 "beds" during the third year of the depression. Still, these figures do not take account the number of women turned away, because they weren't White or Protestant.

As the Great Depression wore on, wanting only a way to make money, these women were excluded from "New Deal" work programs set up to help the unemployed. Men were seen as "breadwinners," holding greater claim to economic resources. While outreach and charitable agencies finally did emerge, they were often inadequate to meet the demand.

Whereas black women had particular hard times participating in the mainstream economy during the Great Depression, they did have some opportunity to find alternative employment within their own communities, because of unique migration patterns that had occurred during that period. White women, in contrast, had a keyhole opportunity, if they were young and of considerable skills, although their skin color alone offered them greater access to whatever traditional employment was still available.

The rejection of traditional female roles, and the desire for emancipation, however, put these women at profound risk once the economy collapsed. In any case, single women, with both black and white skin, fared worse and were invisible sufferers.

As we enter the Second Great Depression, who will be the new "invisible homeless" and will women, as a group, fare better this time?


References:

Abelson, E. (2003, Spring2003). Women Who Have No Men to Work for Them: Gender and Homelessness in the Great Depression, 1930-1934. Feminist Studies, 29(1), 104. Retrieved January 2, 2009, from Academic Search Premier database.

Boyd, R. (2000, December). Race, Labor Market Disadvantage, and Survivalist Entrepreneurship: Black Women in the Urban North During the Great Depression. Sociological Forum, 15(4), 647-670. Retrieved January 2, 2009, from Academic Search Premier database.

The Invisible Women of the Great Depression
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Kathy McMahon, Psy.D. collects stories from people all over the world, who are worried, anxious and depressed about Peak Oil, climate change, and the economic hard times ahead. She's been offering feedback to her readers at no charge, for more than two years at http://www.peakoilblues.com You can read stories of people who are in the process of making critical life change and transformation. Dr. McMahon welcomes stories and letters about coping with the world's current economy, energy, and environmental situation. Appropriate topics include stress management (fear, anxiety, worry, depression or insomnia,) how to simplify your life to live a frugal and debt free existence, personal finance, money management, bankruptcy and couples conflicts about contrasting values, goals and future visions.

Dr. McMahon is a clinical psychologist, a sex therapist, a specialist in marriage and family therapy, an academician, a writer and a chicken farmer. She's owned (and put to bed) a family-owned business that served home builders, generating over 1 million dollars in annual sale and advocates working from home. You can reach her at: PeakShrink AT PeakOilBlues DOT com.

Friday, December 21, 2012

How to Analyze Stocks (For Beginners)

4 Tips for Analyzing Stocks

If you're ready to invest in individual stocks, then you need to know how to analyze stocks. Thinking that a company is going to do well is no reason to blindly invest in that company's stock. Once you've decided that you want to invest in a company, you need to take a look at how the company is doing, how it has done in the past, and most importantly, what it is planning to do in the future. You then need to decide if the stock is a good purchase based on the current price. Even if the company is going to grow at 25% a year for the foreseeable future, the stock price won't be a good purchase if it's valued like it will grow 50% a year!

The four steps to analyzing a stock are:

How to Analyze Stocks (For Beginners)

Determine how the company makes its money Figure out the company's finances Analyze the future growth of the company Determine whether or not the current price is a good one
Actually, before you start analyzing a stock, you have to do is figure out which stock you want to research! Let's say that I am interested in the (imaginary) company Bill's Brews (BBREWS) after trying their signature Bill's Acorn Ale. I go to a finance website, such as Yahoo! Finance or CNN Money, and type their ticker symbol (in this case, BBREWS) into their stock price widget, and start to do research.

The first thing I want to find out is what all the company is all about. Many companies are diversified and do more than you may know. For example, people know that General Electric makes light bulbs, but they may not know that they also make airplane engines and have a powerful finance arm. In this case, BBREWS makes not only beer, but also a wide range of soda pop. In fact, 60% of revenue comes from soda pop, but only 10% of earnings come from soda pop. In other words, 60% of total sales money comes from sales of soda pop, but only 10% of profits. BBREWS makes much more money for every beer it sells than for every bottle of soda. This may make you more likely to invest in BBREWS, because you see that the product you like - the beer - is the one making money.

Secondly, now that you have a relatively qualitative idea of how the company makes money, you need to get a more quantitative idea. You should find out the price/earnings ratio (the ratio of the stock price to the annual earnings of a stock), the price/sales (the ratio of the stock price to the annual sales), the profit ratio of the company, and comparison numbers for other businesses in this industry. You will also want to get any other financial data from this company that you can get your hands on, but these are the most important numbers for proper analysis of a stock. Average values for these numbers will vary tremendously from industry to industry and depending on which stock sectors are hot, so to tell if the number is low or high, you really need to check out related companies in the same industry. For example, you should compare Bill's Brews numbers to Budweiser, Boston Brewing, and Molson Coors.

Third, you should find out what analysts are thinking about this stock and read their opinions. You should also find out what recent growth rates in profits and sales have been. Check if company insiders or institutional investors, who may have a better idea of how the stock will perform, are buying shares of the stock. If a CEO thinks that the stock of his company is undervalued, he will be more likely to buy it, and if he thinks that it is overvalued, to sell it. Since the CEO probably knows more about the stock than most people, this is a good indicator that it may be undervalued. Analysts also spend long periods of time studying individual firms and finding out if they are overvalued or undervalued. You should also read news reports about the company to see if there are any catalysts for higher than anticipated growth. For example, let's say that Bill's Brews just won an award for "Best American Ale" this year. This may lead sales of Bill's Brews to increase in the coming year.

Finally, now that you have determined all of this, you need to synthesize all of the data to decide whether or not the stock is a good buy. This is definitely more than an art than a science, but you should determine that the numbers you have found make a good investment. One rule of thumb is that the PEG ratio (price/earnings to growth) should be less than 1. In other words, the P/E ratio (found in step 2) should be the same or less than the annual percentage earnings growth rate. For instance, if the P/E ratio is 10 (the stock price is 10 times annual earnings) and the expected growth rate is 15% annually, the stock may be a good buy. If the P/E ratio is 25 and the expected growth rate is 10% annually, it may not be a good buy. However, this is only a rule of thumb and there are many exceptions to the rule.

Now you are ready to analyze stocks on your own. There is nothing like knowing that your investing future is in your hands, and that you will be able to determine when a stock is a good buy and when it isn't. Good luck finding the right stock investment for you!

How to Analyze Stocks (For Beginners)
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Bill Laboon writes economic [http://agtam.com/blog/category/economics/] and stock investment advice [http://agtam.com/blog/category/investing/] at his blog, A Geek Talks About Money.

Tuesday, December 18, 2012

Understanding Stocks and Shares - The Stock Market For Beginners

Understanding stocks and shares is not a difficult job if you don't get too overly technical and just look for the stock market basics. Stocks are nothing more than purchasing a little piece of a business. When owners of a business need to raise money, they have several options. The first is the normal one, borrow money from a lending institution. The second one is to issue bonds. A bond pays a specific interest rate to those that purchase them. There's a date when it comes due and the company pays the loan in full. The third option is to go public with stock.

When a company goes public, it issues stock. The company creates a specific amount of shares, we'll keep it simple and use the number 1,000,000. Everyone that buys a share of stock from the company when they do the initial public offering (IPO) just purchased 1/1,000,000 of the company. Even though it sells many shares, it keeps some stock back for itself. Understanding stocks and shares is a matter of knowing that a single stock is one share of all those that the company issued.

Understanding stocks and shares also involves their purchase and sale. You can buy shares directly through many companies on a systematic basis. This saves brokerage fees. If you sell shares, you also can do that through the company direct. The problem when you do both is that you never know what price you'll get until the close of the stock market since share trading doesn't take place until then when you go direct.

Understanding Stocks and Shares - The Stock Market For Beginners

Most people get involved in trading stock as a form of investing and want to make the maximum return on their money. You need a brokerage account to do that. You don't need a broker if you have some understanding of stocks and shares. To provide you with that information, here's a some stock market for beginners basics.

1. Select the stock you want to purchase. After you open a brokerage account, get a basic understanding of the type of stock, and shares you want, be on the look out for three or four companies you know and whose products you really like.

2. Check the background of the companies and their management. Read every article you can.

3. Find the symbol of the companies and track the stock. You'll probably start to see a pattern after a few weeks.

4. Decide the type of investor you want to become. It's not enough to simply have an understanding of stocks and shares, you need to know how you're going to invest. Decide whether you want to buy and hold. This type of investing comes when you believe that over time, the company will grow. You can also buy and trade rapidly. This is day trading and is used to make money on the patterns of price fluctuations.

Understanding stocks and shares is time consuming at first if you jump in with both feet, but once you follow stocks for a few weeks, you'll start to see how simple it really is.

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Friday, December 14, 2012

How to Invest in Penny Stocks - I Reveal My Easy Way to Profit

The first thing I want to do is to explain what this article will cover. I will set out the exact strategy I am using to invest and profit from penny stocks, despite the recently crash in the stock markets. I have made over ,000 per month for the last 3 months by trading penny stock in my spare time, not bad for a relative beginner. I will explain how i am doing this below.

Many people are saying that now is a terrible time to be investing in the stock markets and to an extent they are right. I would not go near any banking stocks if you paid me however there are still many more tremendous investment options available that are making me money at the minute.

Due to the high correlation between all of the huge companies in the major stock indices such as the Dow Jones or the FTSE my current strategy avoids these large cap companies. Instead I have been buying stocks in penny stocks. These are much smaller companies that are much less affected by the big falls in the prices of the big corporates. In addition as many professional investment managers sell their positions in the big corporates more and more are diverting their funds into these smaller firms creating rising prices.

How to Invest in Penny Stocks - I Reveal My Easy Way to Profit

The thing that puts most people off trading penny stocks is the lack of information out there on small companies. Where do you begin? I had exactly this problem until I stumbled across a service that changed my strategy for good. I subscribed to a service that basically runs a computer program over a database of literally thousands of penny stocks. As it goes it does hundreds of calculations and identifies those where the relative indicators show the stock is undervalued or likely to rise in price. In effect it gives me a shortlist of great stock from which to invest.

I gave worked out that I would still have made money if i had invested in all of the recommendations I have received however I have added an extra layer on to the top which has meant I have made much more money. I work through each of the short listed stocks and scour the internet for customer reviews, appraise their websites, look for broker recommendations, check forum postings etc. Once I have dome this i am relatively quickly able to form an opinion about the viability of the stock.

My final caveat is that I only actually go ahead and make the investment if i understand the companies business model. For example if they make some obscure aerospace components i know nothing about i steer clear. If they make sports equipment that i know and can appraise i will go ahead and invest.

How to Invest in Penny Stocks - I Reveal My Easy Way to Profit
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If you would want to use the same strategy I am using here is a link to a review of the stock analysis tool I currently use. I wish you all the best, good luck.

Sunday, December 9, 2012

Investing Money in 2011-2012 - Stocks Vs Bonds

Investing money in 2011 and 2012 puts the investor between a rock and a hard place as investing has become more difficult. Investing in stocks has gained favor vs. bonds in recent months. What's going on, how should you invest, and why do I say investing has become difficult?

The stock market just about doubled in value between early 2009 and early 2011, and investing money in stocks (equities) and selling bonds appeared to be the new trend in investing for 2011. Does this mean that investors are confident that the U.S. economy is well and getting better? Not necessarily. More than likely it means that investing in equities appears to be the lesser of two evils. Bonds and bond funds have a cloud hanging over their head. Interest rates could start rising significantly in 2011 or in 2012 and this spells trouble for anyone investing in bonds.

There are very few statements you can make in the world of investing money that are universally accepted as fact. One of them is this: when interest rates go up, bond prices (values) go down. In simple terms, the fixed interest payments that these securities pay become less attractive to investors as rates go up. So, many investors will sell their bonds... sending prices down... and put their money someplace else. Since the government had been holding interest rates down for months to stimulate the economy, rates are likely to go up in 2011 or 2012, if the government stops this policy as planned. Investing money in bonds will then be a loosing proposition if rates rise significantly. That's a fact and about as black and white as investing gets.

Investing Money in 2011-2012 - Stocks Vs Bonds

Stock investing is more of a gray area. High and rising interest rates can slash corporate profits and this tends to send stock prices down. But in early 2011 rates might have been rising, but they certainly were not high by historical standards. Corporate profits were strong and investors dumped bonds and switched to stocks. The other major alternative for investing money was safe investments like one-year CDs and money market funds. With both of them paying less than 1% a year, there was little reason for the average investor to invest in either. The only real advantage in safe investments at these low interest rates is safety and liquidity.

In other words, none of the three basic investment areas where most people invest look very attractive. That's what makes investing money in 2011 and going forward difficult. If interest rates continue to climb bonds are guaranteed losers and stocks will eventually get hit. Safe investments might not look attractive when they start paying at 1% or 2%, but they will at 3%, and that's where folks will put there money.

So, how should most people invest money for 2011-2012? Cut your exposure to bonds and avoid long-term bonds and funds that invest in them. Long-term bonds and funds will get hurt the most if rates rise significantly. Go with intermediate or shorter term bond funds. Move some money into money market funds. They are safe and the interest they earn will automatically go up with rising interest rates. Investing money in stocks or equity funds should remain a part of your overall strategy, but avoid aggressive growth issues or growth funds that don't pay significant dividends. Look for dividend yields of at least 2% in high quality stocks or equity funds. Growth stocks are often hardest hit when corporate profits fall.

Diversification and balance are your keys to success when investing money in 2011-2012. There are times you can invest aggressively, and there are times when a more cautious approach is called for. With interest rate hikes looming over the markets, this is not the time to throw caution to the wind. 

Investing Money in 2011-2012 - Stocks Vs Bonds
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Author James Leitz teaches investment basics, stocks, bonds, mutual funds and how to invest in his investing guide for beginners called INVEST INFORMED. Put Jim's 40 years of investing experience to work for you and get up to speed at http://www.investinformed.com. Learn how to invest.

Thursday, December 6, 2012

Extremely Profitable Penny Stocks - Free List

If you want to get involved in the Penny Stock market and you are looking for a Penny Stocks Free List you might be going about this the wrong way. Before you start investing in this highly volatile market, you need to learn to minimize your risk and maximize your profits!

You probably already know this, but Penny Stocks are Options just like the Blue Chips, but they trade for or less a share. Additionally the Markets that you will find them on are NASDAQ Small Caps, PINK SHEETS, Over The Counter (OTC), Over The Counter Bulletin Board (OTC-BB) and the Canadian Venture Exchange (CDNX) you can visit any of these markets and get limited information on stocks that they have listed.

However, one of the biggest reasons that there are very limited Lists of Penny Stocks readily available is because of the nature of this market. In the vast majority of cases Penny Stocks are stocks that are based solely on Speculation. There is little to no history on these companies so Advisors have to really know about the company inside and out before they can make a solid recommendation. That is why investing in the Penny Market without Expert Tips can be very dangerous.

Extremely Profitable Penny Stocks - Free List

Blue Chips or Larger Stocks are different in the fact that these publicly traded companies on this market have a history. In many cases, a long history. Therefor it is very easy for brokers and analyst to find trends that can predict future gains. And that is why research for larger options is not the same as the penny options.

So, if you are just looking for a Penny Stocks FREE List thinking that once you have the ticker symbols you can start investing, you really need to slow down and do some research, or better yet, find an expert who has already done the research for you!

One of the best Penny Stock Advisors I know of is actually so confident in their Tips that they will give you 0 of their money to invest with. Below is a Penny Stocks Free Lists and the profits that I made from each one simply buying and selling when my Advisor told me to.

Naturally Iowa INC (NLIA.PK) .21 (10/07) $.040 (10/07) %2B 90% Gain My First Trade Made .50 Tara God Resources (TRGD.PK) .48 (10/07) .80 (10/07) %2B71% Gain Profit 0.16 Healthsonix INC (HSXI.PK) .15 (10/07) .22 (10/07) %2B46% Gain Profit 5.00 Holloman Energy Corp (HENC.OB) .94 (11/07) .17 %2B24% Gain I didn't invest 0.00 Shiming US INC (SGUS.OB) .47 (11/07) .77 (11/07) %2B63% Gain Profit 0.00 Skinvisible INC (SKVI.OB) .18 (12/07) .15 912/07 -20% Loss I didn't invest 0.00 TOTAL PROFIT FROM (12/07) TO (12/07) 0.50

Not bad for a first time investor! I knew the penny stock market was something that I was very interested in, but knew absolutely nothing about. As you can see, my amounts are small potato's but not a bad profit for a small investor. My profits this year are even higher and I expect eventually to get a nice little income simply by following the Hot Penny Stock Tips from my Weekly Advisor.

Extremely Profitable Penny Stocks - Free List
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Sunday, December 2, 2012

How To Become A Stock Broker

If you are interested in the stock market, you may be thinking to yourself, "How can I become a stockbroker?"

There is no educational background needed to get in this industry. The basic qualification you need is an interest in the market. But if the reason for your interest is to simply gain more money, you may end up frustrated. The stock market is a fast-paced, tedious industry, where you have to invest hours and hours to get yourself ahead and to understand the market. You must invest your time to collect a firm set of clientele. But even after having a good understanding of the market and having a set of loyal clients, there can still be curve balls you need to prepare yourself for. This preparation can only be acquired through time and experience. That is what you'll have to face when you get into the industry.

Before you actually get in the industry, you have to understand that normally, stockbrokers do not become stockbrokers right after graduation. To start off in the industry, you need to prepare yourself to acquire a license. To acquire your license, you have to find a brokerage firm. You need to be with this firm for at least four months to take the General Securities Registered Representative Examination. After passing that test, many states require you to also take the Uniform Securities Agents State Law Examination.

How To Become A Stock Broker

When you acquire your license, the conservative advice is for you to concentrate first on the industry that you are familiar with. If your background is in the computer industry, it is better if you start analyzing stocks from that industry. This will help you get a quick understanding on the behavior of the market.

How To Become A Stock Broker
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