Monday, October 8, 2007

Good Stock Picks-How To Make A Killing With Your Investments

So many people today want to know how to find good stock picks for their portfolio. They are always looking for that next hot stick tip that they can make a killing off in the next 30 days.

The problem with most investors is that they take on a very short term outlook. This is the same of most business owners. In both business and stock investing, its only a small minority who ever make a significant amount of money. Why is this?

Instead of committing to a strategy and sticking to it long term, the vast majority become so focused on finding that get rich quick scheme they will jump from one stock to the next, and ultimately make very little money at all.

The bottom line is, there is no hot stock tip or good stock picks that are guaranteed to make you a fortune overnight. Yes, some investors have gotten lucky and made a fortune in a week.

However, often times those same investors lose their entire profit in a very short period of time by continuing to employ the same strategy. When you take on a short term outlook in your investing, you switch from being an investor to a gambler.

Warren Buffet doesnt worry one bit how his stock does short term. What he considers good stock picks much different than most investor, because hes looking for long term return on investment.

If the worlds top investor invests for the long term; doesnt it make sense to model that success? Yes, you can make some money short term, but like gambling, you will always lose in the long run.

The reason the market is so volatile today is the get rich quick scheme. Think about it-instead of picking an investment they can be sure will work for them for years to come, most investors jump in when they feel they can make a quick buck.

They continue checking in on their investment all the time. As soon as it starts going down, because they didnt do their research and dont know the long term prospects of the company, they panic and sell out.

When thousands follow this same mentality, chaos ensues. This is exact the same behavior that caused the market crash of 1929, and what will continue to be responsible for the volatile up and down turns of the market.

Do yourself and the market a favor, and invest for the long term. The only good stock picks are companies that have exhibited a good profit margin for years and possess favorable future outlook. You will be ensuring your long term wealth, and you will be contributing to a stronger and more predicable economy.

For more info on how to buy stocks, and tips for investing in the stock market, visit, a popular site that teaches how to make a fortune from your investments.

No, The Sky Isn't Falling And The Market Moves On!

Last week there were several discussions about the market and it`s doldrums. One issue in particular was the fact that one of the financial analysts was proclaiming to folks in the Media that "The Sky is falling".

The same analysts were telling people 10 years ago to buy Yahoo at $400.00. They would pound on the table and scream "BUY Yahoo it would only go higher and higher!" I`m not making this up!

Once upon a time, people were satisfied with a small tidy profit.They weren't buying homes with high expectations as it is today! Now every homeowner and investor expects unusually high returns. Many,thought they could buy and sell within a day! Gains were astounding. Worse, in some cases it was true! I know, I lived it.

Back to our current market.The sub prime market and it`s total demise was due to companies or Hedge Funds on Wall Street who knew exactly what they were doing. They were encouraging these loans to be made essentially to people who for whatever reason qualified on a marginal sense of the word.

Suddenly, home buyers who qualified for loans at $250K were given the green light to obtain loans from lenders valued at $350K. Better, the loans were set at 100% financing and there began the root of all evil.

Many of these so called pundits of the street who handled these hedge funds are gone, but, they were able to amass "millions of dollars" in bonus before their departure!

Not too bad for a few years worth of turmoil and destruction. After all leave the clean up to others,which is exactly what`s transpired! The absorption rate will take years to fix, but like everything else, things have a way of taking care of themselves.

I`m not defending anyone, except the simple truth. People will always need to Buy, and others will always need to Sell. The rest is based on price and location. Will a person selling their beautiful home in the future be able to make "staggering Profits" as they once did?! The answer is no. Does this mean that the market is over? Stop listening to Stock Jocks who should stick to the buying and selling of what they know,which is stocks, not Real Estate.

scott daniels
florida list for less realty,inc.

Forex Education - Want to Buy Advice? 2 Tips To Help You Get The Best Education

Forex education is vital if you want to succeed but most traders simply have no idea what is good advice and believe advertising copy, but you need to go beyond the copy to get good advice.

Most what you need to know is FREE on the net. Lets look at where to get the best advice to forward your forex education.

Tip 1 - Look For Proof

Dont buy an e-book from a vendor on the net unless they present a real time track record that they have made money with their system.

There are many e-books sold that use great copy or lies, to appeal to naive investors dont fall for this If they have made no money dont buy their product period.

Most of the systems sold by vendors are junk or you can get the information free on the net anyway more of that later. Now another important point!

Beware of the hypothetical track record this is meaningless.

Their done in hindsight knowing the closing prices so of course its going to make money but you dont trade backwards in real life you trade forwards and thats much more difficult!

Instead of buying overpriced e-books with no evidence of success, go to your bookstore and pick up books from traders who have walked the walk rather than simply talk the talk.

Here you can learn from the real pros (we have done a top list check out our other articles) and there are some great bargains to be had.

Tip 2 Take advantages of FREE Sources

You can learn forex trading for free and get a forex trading strategy without spending any money.

If you are novice trader you will probably want to trade with forex charts and use technical analysis.

Just look up the phrase and you will find all you need.

The simplest way to trade is using support and resistance and a breakout methodology so search those two phrases as well.

You will need some momentum indictors to confirm youre trading signals so look them up and in particular Relative Strength Index and stochastics.

That will give you a simple powerful method to trade with and give you a forex system based on sound logic.


Is easy to get if you follow the above two tips All the basics are free and you can get a few good books from the great traders to inspire you and help you you need spend no more than $100 maximum and you will learn forex trading the right way and get the best forex education.

Finally, leave the e-books with their over hyped copy and no proof to the other 95% of forex traders who lose.

Thats it good luck and good trading.

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No Good Thing Lasts Forever - Except, Perhaps, Immediate Annuities

Most people will agree that nothing lasts forever, but a careful look at various investment options might yield an exception or two. Rising health-care costs, inflation, and consumer prices are just a few of the variables that cause people to struggle to make ends meet these days. Unusually low interest rates only exacerbate the problem, forcing countless retirees to tighten their belts. If this outlook matches what youre currently facing, dont abandon hope; an immediate annuity might be the solution for you.

Recently, we were asked for advice by an 86-year-old former executive assistant who well call Jacqueline. She came to one of our seminars at a local library. Afterward, Jackie approached us and started to talk about her situation. She never married and has no children. Shes been retired for about 20 years, and recently sold her home so she could move into a comfortable assisted-living residence. Jackies primary concern was to have enough income to supplement her Social Security and pension benefits so as to maintain the standard of living to which she had become accustomed factoring in inflation, rising housing costs, personal health-care costs, and taxes. Her will would donate the remainder of her estate to a few charities of her choice.

To meet these goals, Jackie needed more income than her principal would allow under traditional conservative investments. Like many of her contemporaries, she did not have the physical stamina to re-enter the work force. This meant that she could not afford risks associated with the stock market. What she wanted, in her own words, was a guaranteed, preferably tax-favored income stream for the rest of her life, an income that would remain perfectly stable despite fluctuations in the stock market. After a thorough investigation of many options and detailed conversations with Jackies accountant and attorney, we narrowed the possibilities to one investment vehicle: the single-premium immediate annuity.

An annuity is a tax-deferred investment vehicle that gives you a fixed or variable annual income. The amount of that income is based on the initial value of the principal and the type of annuity the owner chooses to invest in. There are many different types of annuities, all of which are designed to meet various needs. Annuities can be fixed, variable, immediate, deferred, medically underwritten, etc. As with any purchase, investors must weigh the benefits that an annuity may offer against the costs, management fees, liquidity, and the price of added benefits. The key to remember is that annuities come in different shapes, colors, and sizes. There are literally hundreds of different ways they can be purchased, but one way needs to be found. When looking to buy, you should always evaluate how the benefits match up with your own needs. It is for this reason that we always recommend that investors have a meeting with their accountant and attorney, along with the person who is selling the annuity, so that nothing gets lost in the translation. At this time, a detailed discussion of all the pluses and drawbacks can take place and an informed decision can be made taking into account factors the investor originally may not have thought about.

Although New York State is a highly regulated market that maintains a close eye on the types of products sold to investors, you should always be fully aware of the ins and outs of the product youre dealing with. Often, certain types of annuities pay a high commission to the people selling them. Because of this, and the complexities discussed earlier, it is not uncommon for the seller to place his or her interests above those of the (typically less savvy) investor. Contrary to popular belief, annuities are not only sold by insurance agents, but by brokers, CPAs, CFPs, tax preparers, local banks, and many other people and institutions as well. As always, its important to know who youre dealing with and dont be afraid to ask questions! Whether you live in NYC, the east coast, west coast, or some place in between, it is best to be prudent and always do the required due diligence. The type of annuity Jackie did her due diligence on was an immediate annuity.

With immediate annuities, the investor or investors (ownership can be single-life or joint-life) puts up an initial principal in exchange for a stream of payments. An insurance company is typically the seller of the annuity and will be the one that sends you the monthly, quarterly, semi-annual, or annual checks. Why would an insurance company be willing to take on this tremendous responsibility of lifetime payouts? Well, it is all based on life-expectancy statistics, which are derived from actuarial tables.

Immediate annuities have various payout options. Some of the more common are lifetime income-only, lifetime period-certain, lifetime income-with-cash (lump sum) refund, lifetime income-with-installment refund, and period-certain. Simply said, you have several choices about how you receive your money. Keep in mind, however, that different types of annuities are sold through different insurance companies, with various credit ratings. Because so many factors play into a decision about which type of annuity to purchase, it is essential to consult a financial professional before making your final decision.

The payout amount of an immediate annuity is determined strictly by age and gender, unless it is a medically underwritten policy, in which case the health status of the annuity owner also plays an important role. (The insurance company will often pay more when your life expectancy is altered because of poor health.) What made this investment appropriate for Jackie was largely the fact that she had no heirs, because when you set up an immediate annuity you forfeit all rights to ownership of your initial investment principal. If you have heirs who are dependent on an inheritance they assume theyll receive, a conversation about the consequences of going through with this kind of an investment should definitely occur. Still, the benefits associated with an immediate annuity are impressive; the insurance company will guarantee your income payments for the remainder of your life, even if you live to be 120.

Jackies Social Security, pensions, and bond income did not generate enough cash to meet her high monthly expenses, which meant that she had no choice but to dip into her principal every year. Had she stayed on that path, Jackies entire principal would have been depleted in about six years. We were tempted to recommended tax-free municipal bonds because of their liquidity, income security, and tax-free status. But current interest rates and Jackies high income needs would again have forced her to invade and ultimately deplete her principal within those same six years. Knowing that the national life-expectancy average of a woman Jackies age is currently around six years, and taking into consideration her superb health and strong genetic background, investing in municipal bonds created a risk we did not feel at all comfortable with.

In Jackies case, we chose a lifetime income-only annuity because the alternatives were too risky, and also because not being able to afford to live where she wants, with the people she cares about, was unacceptable to her. If, like Jackie, you are looking for consistency, guarantees, or just peace of mind that you wont run out of money during the final stage of your life, an immediate annuity could be the solution for you.

Don Conrad is president of Conrad Capital Management, an independent registered investment advisor, in Melville, New York. Can be reached by phone: (631) 439-7878 or email:

Don started his career in the late 1970s at a nationally recognized mutual fund company and was recruited after three years by E.F. Hutton Company to work in the consumer retail division. During his thirteen-year tenure there, he spent two years specializing in and trading the 30-year treasury bond. For the last five years, he served as a senior vice president focusing his efforts in the Consulting Services division, maintaining offices in both Long Island and Manhattan.

In 1993, he was recruited by PaineWebber as a Senior Vice President in the consumer retail division. In addition to managing his clients assets, he was asked by senior management to conduct a nationwide tour to train financial consultants in the Consulting Services division. Don also made a video on the use of advanced technology in the financial services industry. This video was distributed to PaineWebber offices internationally.

After almost five years at PaineWebber, Don decided to pursue his dream by starting Conrad Capital Management in order to offer his clients more choices and flexibility.

Unlocking the Riddle of Kilgore Minerals: Gold Exploration Inside a Uranium Company?

Unless you are a subscriber to Robert Bishops Gold Mining Stock Report, you may not have heard about this budding uranium development company. The companys share price had a healthy rally after the San Francisco Gold Show, last November, when Kilgore Minerals (TSX: KAU) was discussed as a potential takeover candidate. Shares in this little-known minerals company catapulted from the C$0.50 0.60 range to as high as C$1.13/share by February 6th. Pinetree Capital (TSE: PNP), itself a red-hot stock whose shares have quadrupled since early November, announced it had purchased approximately 10.5 percent of Kilgore Minerals (and if the convertible securities were exercised, its ownership could reach 12.9 percent).

What is the excitement over Kilgore Minerals? Norman Burmeister is hardly the promotional type. Even his good friend, letter writer Robert Bishop, describes the company as non-promotional. During our interview, it occurred one might think of Kilgore Minerals as a uranium company inside a gold exploration company. That should become apparent as you continue reading this. And the question was posed to Mr. Burmeister, At the end of this year, will Kilgore be better known as a gold or uranium company. After a long pause, he responded, The objective here is to build a mining company.

Far from the very promotional Howe Street area, where the majority of the TSX Venture exchange companies have offices, Burmeister is nearly reclusive in a small town in Wyoming. Its about ten miles to the nearest stop light, he told StockInterview. Actually, Dubois, Wyoming where youll find Mr. Burmeister is less than 80 miles away from Yellowstone National Park. (Keep driving west on US 287, and youll be in Montana.) When we hear a company CEO talking up that hes going to build a mining company, the phrase grain of salt comes to mind. But a careful review of Mr. Burmeisters resume will snap even the most cynical out of that frame of mind, starting with his graduation from the Colorado School of Mines as a geological engineer. (See bio snapshot at the end of the article.) Hes found and developed a gold mine, found deposits, sold them to a major company. Been there, done it, and now hes ready for something even bigger.

Kilgore Minerals Uranium Projects

Now, Burmeister has got three gold and 12 uranium properties. The uranium properties are convincing, and the company plans a drill program on one, in Nevada. We are in the process of permitting one property for a summer drill program. Its a Nevada property that was drilled out by Utah Mining and Construction, which became a division of General Electric. It subsequently became Pathfinder Mines, when GE was ordered to divest their uranium mining and producing facilities. Hes referring to the companys 46-claim Mountain West property in Elko, Nevada. One might suspect the hand of Dr. Dieter Krewedl in this property selection. Dr. Krewedl was vice president of exploration for Pathfinder in 1990 1995 (and also serves on the board of directors of Strathmore Minerals).

Its not the largest property in our portfolio, but its handy, Burmeister said humbly. Its in a good jurisdiction in ELKO County, Nevada. Its something that we can get permitted and move forward. Its a relatively low cost type of operation. Its something we think our company with our resources can advance significantly within a budget that isnt going to commit the companys entire resources. Burmeister believes the Nevada uranium asset may have a good grade. Its near surface with essentially a low stripping ratio, so it could be mined with a slot type of mining operation, he explained. When a deposit is relatively shallow, the slot type mining method can be used, similar to how a quarry is mined.

His two Wyoming properties in Crook County, comprising 122 claims, were previously drilled by different major companies in each of the three claim blocks. Homestake Mining drilled over 3,000 holes as late as the mid 1980s on the 48-claim New Group block. In one area alone, within a 40-acre tract, over 250 holes were drilled (about six holes per acre). Bethlehem Steels 2 claims in the Oshoto Group consist of an admittedly a small property. But it is right in the center of what was developed in the late 1970s, Burmeister insisted. The joint venture, between Bethlehem Steel and a California-based oil company, did a successful test ISL operation on the property in 1979. As they were winding down the test, and evaluating the results, they had to contend, as did many other uranium exploration companies, with the public outcry after Three Mile Island.

Another uranium property block, the 72-claim Wood Group, was also extensively drilled, by Homestake and Pioneer Nuclear. It is estimated several hundred holes explored the property, and 115 holes were drilled on one 160-acre tract. Burmeister hinted his uranium package was still being assembled. The companys website notes, The Company will continue its efforts on the location and acquisition of historic data associated with its portfolio of uranium properties.

What tickles Norman Burmeisters fancy about this area? It is the Inyan Kara group, he said. His leases are part of a much larger package. There is roll front Cretaceous sediment that surrounds the Black Hills. We have properties on northern part of the system in Montana, we have properties on the western flank, and this is in addition to lands on the roll front on the eastern flank of the Black Hills. And what makes this important? Its the equivalent to the stratigraphic unit that has been highly productive in the Powder River Basin, explained Burmeister. Its also been productive at its southern extremity in South Dakota in the Edgemont District.

Others have been announcing uranium leases in Wyoming, and the state has become a hotbed of claims announcements in recent months. How did Kilgore Minerals come across these? We came by some information in a package of data we purchased that included the definitive location of the roll front, explained Burmeister. I dont think that information was widely known. Thats why these leases were not picked up in the past. I think folks didnt know where that roll front was. That roll front was defined by a major uranium company with over 15 years of exploration in the area, having drilled I dont know how many thousands of reconnaissance drill holes of these things, like one per square mile, over several counties: northeastern Wyoming, southeast Montana, and western South Dakota. That information led to the definition of the roll front where these uranium deposits occur. With that said, Mr. Burmeister is quietly confident.

The Kilgore Gold Project

But which project gets Norman Burmeister talking breathlessly? Ask him about the companys Kilgore gold property in southeastern Idaho. Im very excited about this project, said Burmeister. It was a property that was very high on Echo Bays list. At the time they were active, Echo Bay was one of the major gold explorers of the world. They had a very large budget. This was one of their top projects, possibly even their top project. Indeed, Echo Bay had drilled 122 holes (82,987 feet of drilling) in 1994-96, and bought out Placer Dome for 100 percent ownership of the property. The collapse of junior gold exploration in 1997 led to the project (and all Echo Bay projects) being shelved. Kennecott, Placer and Pegasus each drilled the gold property between 1983 and 1994. Kilgore Gold (wholly owned subsidiary of Kilgore Minerals) acquired 100-percent ownership of the property, after the exploration industry had contracted. The smart buy at the bottom of the cycle, which is what Norman Burmeister did.

During 2006, the main show for Kilgore Minerals will likely be the summer drilling program on the Kilgore gold property, comprising 150 unpatented claims over an area of approximately 4.7 square miles. The technical report (National Instrument 43-101) was filed on the property by G.H. Rayner and Associates, which estimated 218,000 ounces of gold indicated and 269,000 ounces of gold inferred. To ascertain that estimate, nearly 200 diamond and reverse circulation drill holes for more than 126, 000 feet were completed. Major gold companies spent more than $8 million to bring this property to this level of understanding.

As a resource, less than 500,000 ounces is a small deposit. However, a drill intersection, during the summer 2004 drill program, struck a 10-foot section averaging 0.465 ounces/tonne or 14.5 grams per tonne gold. Designated the Elsa Zone discovery hole, the intersection found that gold sample more than 4,600 feet from the 487,000-ounce gold resource.

A preliminary structural investigation by Stanton W. Caddey, a highly respected geological consultant, concluded in an October (2003) report:

The Kilgore prospect area represents a high quality gold project, much of which remains to be drill tested. Most the previous drilling was focused along a peripheral or satellite segment of the main hydrothermal system. The primary exploration potential is for a bonanza, epithermal, gold-rich vein system localized along the major N60W-trending McGarry Canyon NW fault zone and subordinate faults in the area referred to as Dog Bone Ridge Exploration potential at the Kilgore property for more than doubling the present gold resource with further exploration drilling is regarded as excellent.

In May 2004, Mine Development Associates of Reno, Nevada completed a scoping level update of Echo Bays 1996 initial engineering assessment of the Kilgore project. Neil B Prenn, P.E., agreed this is a large epithermal gold deposit, hosted in volcanic and sedimentary rocks, and the resource is hosted within quartz stockwork and in silicified sedimentary rocks. In reviewing Echo Bays work, he observed that instead of calculating a reserve for the property, they described an estimate with high confidence, the potential mineable part of the resources, at 10.087 million tonnes, averaging 1.28 grams/tonne, containing 417,000 ounces of gold. The engineer concluded, The project appears to have reasonably attractive economics if the potentially mineable material can be doubled at $375/ounce gold price.

Burmeister believes the best is yet to come. His summary of Echo Bays previous drilling was simple and to the point, They were focused on a low-grade open pit occurrence, which is very nice. It has a significant resource. In their enthusiasm to move that particular aspect of the project forward, I think they did not have the chance to step back and look at the overall hydrothermal system, which we have done. Burmeister added, We think the best may be yet to come by exploring for a high grade underground type of operation which is very much in favor these days.

The successful drill hole was a blind discovery at 410 feet of depth. Burmeister clarified, saying The first hole that we drilled, we were successful in discovering a blind high grade occurrence of gold beneath the barren sinter. He realized the mistake made during the 2004 drill program, In our enthusiasm to get our arms around this target area, which we call the Dog Bone Ridge area, we took enormous step-outs, and never offset that high grade hole. Subsequent holes were all interesting, museum quality realgar mineralization and stibnite mineralization, which are diagnostic of the epithermal model were testing. We got anomalous gold, but we didnt get any ore grade material.

The Dog Bone Ridge area, as determined by geochemistry, geophysics, geology and structure, is at least 6,000 feet long and 1,800 feet wide. Burmeister explained his better understanding of the target area, We think this is a very recent geological occurrence, and has not been eroded. Typically, there is no gold on the surface on these systems. It comes as the result of boiling. The gold is precipitated out at that level and does not reach the surface. Were actually dealing with a paleo-surface. Our discovery hole was deeper in the system, below the zone of boiling. So I dont think the other drilling we did, the other core holes, they did nothing but reinforce our interpretation of the system.

In July, Kilgore Minerals will proceed where drilling left off in 2004. A recent news release announced, The summer 2006 drill program is expected to commence in July with the first holes designed to offset the Elsa Zone discovery. There are a number of Elsa look-alike definitive targets within the overall Dog Bone Ridge target area that will also be tested. How does Norman Burmeister explain this in laymans terms? Were going to offset that discovery hole and find out what thats all about, he told StockInterview. Well go about the business of evaluating that project because its all prospective. We were targeting a projected structural intersection of which there are many. The success we had with that first hole, its not unique in terms of what we know in the geophysics, the geology, the structure and the geochemistry. Thats not to say that all of those targets are going to be successful, but the size of this system indicates it can host a very significant resource.

It was an exciting discovery hole, and the summer 2006 drilling program could spell success if drilling results match Burmeisters enthusiasm. In closing, he said, That hole could well be right smack in the middle of an ore body. We dont know what the orientation of the zone is, because with one hole, it is impossible to know what the dip and the strike is. We dont know if its close to true width or we hit it at the high angle. But, its very exciting.

Stay Tuned.

COPYRIGHT 2007 by StockInterview, Inc. ALL RIGHTS RESERVED.

James Finch contributes to and other publications. StockInterviews Investing in the Great Uranium Bull Market has become the most popular book ever published for uranium mining stock investors. Visit

The Facts About New Stock

When a company issues stock for the very first time, it is called going public. In order to take a company public, and make it possible for investors to purchase stock, the management of the company has to make an initial public offering. the road to public ownership begins with an entrepreneur coming up with an idea for a product, or service to sell, and then launching a start up business. if the company grows the entrepreneur can obtain funds for expansion in the private equity market. The private equity market is where sophisticated investors have assembled pools of money, that is referred to as venture capital. This is money that these investors have set aside to risk on new business ventures in exchange for a say in how the company is run, and a share of the profits.

Once a company finds that its products or services are in demand, it quickly finds out that the ability of the venture capitalists to provide the necessary money that is needed for the rapid growth that is taking place is extremely limited, and this is when the company decides to go public. First they find an investment broker that will agree to underwrite the stock offering. Then the underwriter help the company prepare a prospectus. The prospectus is a legal document that is made available to anyone that is interested in investing in the company. A prospects provides a detailed analysis of a company's financial history, its products or services, and its management's background and experience. It also outlines the various risks that a company faces.

In-order to attract investors, a press release is issued in the financial press announcing the proposed stock sale. Sometime underwriters will organize meetings between the company's management and large potential investors. The day before the actual sale, the underwriters establish the price that they will pay for each share. This is the amount of money that the company will receive from the stock sale. When the stock is traded the next day, the price can rise or fall depending on whether or not investors agree or disagree with the underwriters valuation of the new company.

If a company has already issued shares, and they want to raise additional money, through the sale of more stock the process is called a secondary offering. Most company's are wary of issuing more stock, since it will de-value that it has already issued usually a company will only issue new stock if their current stock price is high. This help to minimize complaints from existing shareholders that their shares are being diluted. Also if a company thinks that its shares are too low, they will buy some stock back to boost the price of the remaining stock.

To learn the truth about options trading and discover some useful options trading tips then visit:

10 E-mail Organization Tips

Who doesn't have issues with organizing their inbox!? I receive close to 600 e-mail each day due to the variety of activities and contacts I have online. Some I am truly interested in their content - most I am not.

A big part of keeping your inbox and your e-mail organized is discipline. Yep, good ole' fashioned discipline! You need to make a consistent practice of checking your e-mail and accomplishing several tasks to keep ahead of the increased traffic of bits and bytes finding their way to your inbox.

What are we to do? Let's get organized!

1.Put your DELETE button to work! If you do not recognize the sender, look at the SUBJECT: field. Are there funny characters, alpha-numeric gibberish or it just doesn't make sense? Delete! Don't fall for tricky SUBJECT: fields that say any number of enticing comments only someone you know would say: "You left your umbrella...", "They said it's free!", "Hey how is it going?", "You blocked my IM", "Meeting is Rescheduled", or the one almost everyone wants to open "About Your Tax Refund".

None of these are from friends or folks you know or even companies you are doing business with. They are from spammers - the worst kind too - the ones who underestimate your intelligence by thinking these e-mail will be something you would take seriously. If you dont know the sender and the SUBJECT: field looks off, send them on their way to the trash!

2.Once you go through all your new e-mail and follow step #1 above, you are now ready to determine what to do with the e-mails that are left. Do you have several e-mail from the same party? Do you have e-mail from folks who e-mail you quite regularly? Do you have some e-mail that is personal business and others that are more serious and therefore, you probably need to keep a copy on hand?

This is where filters come in. Filters are your friends! Filters, or Rules as they are called in Outlook, are what allow you to organize your e-mail on the download. Yes, as you download your e-mail it can go into e-mail folders setup for specific topics or contacts!

You can have a "Mom" filter that sends all e-mail from dear old Mom right into your Mom folder. Set up filters to have e-mail from some of your hobby sites, go directly into their own folder. Your best friend can have his or her own folder. Another example is to have information from your financial institutions automatically end up in a folder specifically divided into further folders - Annuity, CDs, Stock, Bonds. The sky is the limit!

A side benefit of filters is that if you organize your e-mail to go into their own folders on download - your inbox has less e-mail that you requested or were expecting leaving only the questionable e-mail for you to review. Filters only need be setup once and they are in place until you delete them. Get your filters tightly setup and you can literally find only e-mail from spammers are left in your inbox.

One thing is clear about being online and e-mailing - it behooves you to become familiar and proficient with your tools. E-mail software being probably the most important. Check the HELP area or Web site of your e-mail software for further guidance on filters or rules. This is reading and skill building well worth the time when you realize how easily you can control your e-mail's organization moving forward.

3.Another use for your filters? As if filters are not already sounding like the best thing since sliced bread, you can use them to send certain e-mail right to the trash bypassing your inbox all together! You know, the e-mails for certain male enhancement products and adult sites - right to trash. Filters and rules can be used to not only send an e-mail to a certain folder by virtue of e-mail address, company or person's name, they can be configured to find certain adult or offensive terms when listed in the SUBJECT: or BODY of an e-mail message to you can send them right to trash on the download - gotta love it!

4.Back to your inbox... We now have filters in place that organize your e-mail on the download so all the e-mail you requested and or are expecting, is in their appropriate folders for you to read at your convenience. Now your inbox should only have the orphan e-mail with nowhere to go. After following the suggestions in #1 above, begin to review your e-mail.

If you run into an e-mail that is from a new mailing list you've subscribed to and plan on getting regular e-mail from, stop right there and make a folder and filter to accommodate these future e-mail. Set up a filter to look for something specific to that e-mail (usually e-mail address works best) and moving forward, on the download, those e-mails will go right into their own folder. Do this for any e-mail topic or contact you plan to receive e-mail from on a regular basis.

5.Read and delete. Read your e-mail as time permits and then delete any e-mail that doesn't have content worth keeping for future reference. Then, empty your trash daily. Loads of e-mail files use a ton of your system's resources. Not keeping copies of e-mail you really will never need in the future helps remove the clutter and drain on system resources.

6.When reading your e-mail you can prioritize when you want to address them. Many e-mail programs allow you to label e-mail by color when viewing a particular folder. For example you could have labels that at a glance tell you how you have prioritized your tasks. Say, red for urgent, blue for later, yellow for maybe. By opening that specific e-mail box you know, at a glance, which e-mail you have set to address right away and which you can get to as time permits.

7.Empty your trash daily but before emptying your trash, you want to be sure to take a quick look-see just in case any of your filters inadvertently picked up on some terms that were included in e-mail that you possibly didn't want to trash. This happens all the time! A quick once-over before deleting your trash will ensure legitimate e-mail you do want to see didn't get lost in the shuffle.

8.Create a folder called Follow-Up, Interesting or To Do. This is where you will file some of the e-mail from your inbox that peaked your interest that you would like to review in more detail but just don't have the time. Then, when time permits you can go to that folder and check into the e-mails worth keeping. Once you review them, though, either send them to another folder for keeps or send them to trash.

9.To avoid e-mail backup, be sure your inbox is cleared each day. Move e-mail to trash, a specific folder or your "To Do" folder, and then empty the trash. If e-mail is older than 90 days in your "To Do" folder - send them off to trash as most likely the information or offer is no longer current. By doing so each day, you keep your inbox clear and your e-mail much more organized.

10.What about all these folders? Have as many folders as you need to be organized and call them whatever will intuitively work for you with a glance. This system is different and unique to each and every user - make sure you use terms and a system that works for you.

The above 10 tips when practiced daily will make the world of difference in keeping your inbox organized and clutter free. Just a bit of discipline is all it takes to be on the road to less time spent dealing with e-mail which frees you up to do other important things... like responding to e-mail.

About the Author:
Judith Kallos is an authoritative and good-humored Technology Muse who has played @ for over a decade. Check out her popular E-mail Etiquette site @:

Kuala Lumpur Stock Market Outlook - Forecast for the Day - 27 June 2007!

Profit-taking depressed local market. But Dow should stage rebound on Tuesday night.

Technically speaking:

1. As at Tuesdays close at 1366.99 the KLCI was lower by 10.14 points or 0.74%. Losers led gainers 648 to 286.

2. The lower close is a dampener especially after a breakout into new highs last Friday.

3. But as chartists one should expect the unexpected. In other words, if the KLCI should fall further to and violate its lower Bollinger band, one should consider exiting the market at 1348 or lower.

4. But until then, it is possible for the KLCI to stage a rebound.

5. Until the present circumstance, we would be cautious and not buy further.

6. We would wait-and-see and wait for a rebound before adding more positions.

7. Stocks-to-watch for today will, understandably be low. They are: LMCEMT and YTLCMT.

8. We were right about TRANMILE going down to hit the floor. We hope you have exited this stock as based on technical analysis it can make lower lows.

9. We observed that the local stock market moves in tandem with the strength of the ringgit. For the market to rally we would want to see a stronger ringgit. Right now the ringgit is weak.

CONCLUSION: Although it is too early to call a trend reversal, the local market has taken a beating from sellers as funds sell out for fear of further weakness from the U.S. markets. But the technical of the Dow do not seem to suggest that a market plunge is near. Instead we are seeing a Dow rebound. If so, we expect the KLCI to rebound in tandem.

Long-term Upside Targets:1492 (Target amended on 15/6/07).

Immediate downside targets: 1334/1291/1222

Fred Tam is the owner of and F1 Trader Online - Know when to enter & exit the markets.