Do You Own Bonds?

Do You Own Bonds?

By Thomas Mullooly

 The better question might be: Why do you own bonds today?
Lately we’ve seen more damage done to bond accounts than any time in the past few years. I’m warning friends and foes alike, if they own bonds in their accounts here in the spring of 2006, be prepared to see some serious deterioration in their monthly statements.

So, what’s a girl to do? Well, in our practice, we’ve been avoiding bonds for two years now. That was when bonds gave a relative strength sell signal. We moved a great deal of money that WAS in bonds into laddered Certificates of Deposit (CD’s). We knew from our experience that when bonds gave a relative strength sell signal versus the overall market, bonds in general would not do well.

And bonds would likely be a lousy place to have money invested.

Keep in mind that relative strength means “how is your investment performing compared to the rest of the market?” When an investment gives a relative strength buy signal, it is typically rising faster than the overall market.

But when an investment gives a relative strength SELL signal, this usually means this group can fall farther…and faster…than the market overall. Bonds gave a relative strength sell signal two years ago.

Now, let’s get clear on something! A relative strength sell signal implies market UNDER performance. That doesn’t mean the investment will lose money! It doesn’t even mean the investment will go down in value. Relative strength sell signals mean the investment will not perform as well as the rest of the stock market.

So what has been happening these last few weeks with bonds just confirms what the relative strength charts have been telling us for two years. That message has been: do your very best to avoid investments where there are relative strength sell signals. Your performance could improve significantly by just taking a pro-active step like that!

Now here is why so many will lose money

I keep harping on this because there are literally hundreds of thousands of investors in programs like 401k plans with money in bonds. Every week, these folks mindlessly invest a portion of their paycheck into some asset allocation model, geared for the day they retire.

In fact, those investors ages 50 and over that have money in “Lifestyle Funds” in their retirement plan may really be in for a surprise. You know these funds…available today in so many retirement plans…all you need to do is pick the fund that is closest to your approximate retirement date, and the fund manages the asset allocation itself! Sort of a “set it and forget it” plan.

Well, they got the “forget it” part right! See, as you get closer to retirement, these plans automatically move more and more of your money into bonds. It’s done automatically, based on your age and how close you are to retirement. Folks as young as 50 years of age are seeing more than 50% of their money moved into bonds. They could truly get crushed if rates continue to rise. Because as interest rates rise, bonds usually drop in value.

And like they say on late-night TV “but wait, there’s more!” If you have money set aside in a 529 plan, so Junior can attend college in the future, watch what happens to the asset allocation as Junior starts approaching college age. These funds often downshift…”for safety and less volatility” into bonds.

Oh! Don’t forget that there are many, many, MANY investors who use a computerized asset allocation program to “balance” the rest of their investments. They place a portion into stocks, a portion into bonds and bond funds and some into cash. When the markets are unstable, many investment firms will recommend clients shift a portion out of stocks and…into…you guessed it…bonds!

So while you may not own any individual bonds, you (or someone you love) may have a TON of money invested in bonds. Or they may have money invested in stocks that are sensitive to changes in interest rates.

This article was added on: April 16, 2006.

About the Author:
More Details about Investing for retirement here. Thomas Mullooly, President of Mullooly Asset Management, works one on one with individuals so they can regain control of their investments. Tom’s popular email alerts help folks to reduce the risks in their portfolios. To learn how to stop making simple investing mistakes and to sign up for Tom’s email alerts, visit, today!

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Protecting By yourself Out of Affiliate marketing Web page link Robbers

Preserving Your self From Affiliate Web page link Burglars

So, you could have labored hard to make the perfect affiliate website. You took enough time to add your current keywords and related specifics of the merchandise. Your web pages load rapidly, plus your site is perhaps shown in the engines like google meant for specified words. You examine ones figures, and you view a regular amount of targeted visitors going into your web site. You get really enthusiastic! You log in to your affiliate program manager, and…. WHAMO! You may have almost no commission rates from revenues, and ones click-throughs are exceedingly minimal. All of the sudden, you will be pondering, “what the heck developed right here??” The solution… You could possibly possibly be the sorry victim of affiliate web page link hijacking!

In this turning world of the Internet, we are consistently staying bombarded by spammers, adware, worms, and cyber-terrorists. Now, we have to bother with web page link hijackers robbing commissions that are rightfully ours. So, what’s web page link hijacking and how would you refrain from it?

In the most simple terms and conditions, web page link hijacking takes place when anyone replaces his or her affiliate USERNAME with your own. The exact result? They get the commission in place of you. You did all the work, but some other person is getting compensated? You bet! You would possibly be thinking how this transpires. Allow me to explain. I first got word of this occurrence whilst viewing numerous community forums on internet affiliate marketing. The majority of them affiliates acquired experienced a decrease in sales and profits while their particular web-site’s page views stats stayed high. Standard chats present in affiliate discussion boards include many software packages which “steal” details. A great number of software programs download and install themselves onto a person’s computer system, often knowingly or unknowingly. These software programs can override ones affiliate links whenever the buyer visits ones site, therefore giving credit to some other individual. Sometimes, individuals download and install grouped together software programs that contain these kinds of program. The innocent reader would possibly not perhaps realize they have an application operating in the background. Another person who participates the Internet universe, may it be, should really stay up to date about these kinds of software programs by visiting consistently.

Weblink hijacking comes in many forms… not only out of for downloading. Let’s pretend ones affiliate web page link appears like this: , where 123456 is your affiliate IDENTIFICATION. A link hijacker is interested in the goods and really wants to purchase it. He also wants the affiliate commission from the merchandise. He takes ones IDENTIFICATION 123456 and replaces it with his IDENTIFICATION 999999 to look like this: The effect? He gets the commission from the merchandise purchase. He customized the web link to benefit himself. You lose.

The following is a different example of web page link hijacking: A customer comes to ones website and sees a keyword rich link to the merchandise that he really wants to purchase. While he moves the computer mouse over ones web page link details, he encounters ones affiliate hyperlink in the status bar of his computer. In place of visiting ones affiliate web page link, he chooses to manually type it into his address bar, leaving off the affiliate referral code: This results in no affiliate following details and no commissions for you. You lose yet again!

So how much funds can you be losing? I have read that an projected 10-30% of commissions are forfeited on account of affiliate marketing web page link hijacking. Might you picture the kind of potential money that you might be losing right this moment?

Do something out of Defending Yourself By Funds Loss

In the constant search for different scripts and program to construct my sites, We’ve encountered cloaking tools. Most cost close to $50 or maybe more. On the other hand, I did run into one cloaking software that is free. It is termed Affiliate Link Cloaker (ALC). The internet site owner basically inquires that you may possibly sign up for their particular news letter. By golly, I love free goods, would you! In case you are enthusiastic about discovering this program and how it operates, you can visit their particular site at . They’ve other scripts that you may possibly might come across specific as well. Now, get out there and preserve those links!

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