How to start off in the Investment world?

How to start off in the Investment world?

Mike Rubio

www.Dailywallstreet.com

Learning about today's economy trends and making this work for you is a vital skill to insure one’s economic security, prosperity and survival. Weather you goals is to retire in ten years, twenty years, or just secure some economical savvy, well we hope we can help you with that here. With the new millennium, the Information age, it seems the “Gen Xer's” are at the helm. So how does one new to the Internet investing platform work? It is our intentions to aid you with that here and now.

I)
What are my investment goals? Retire at 40? Supplemental income, higher returns on cash than bank’s interest?

II)
It is not our intentions to determine any ones priorities, we are just sharing our experiences. We at www.dailywallstreet.com perceive portfolio’s to three chief components.
a) Cash
b) Retirement accounts
c) Investment accounts


a) Cash- Accounts that contain Monies or the equivalent (Such as low-risk, short-term securities such as CD’s = Certificates of Deposits) this is the Chief component of the three. Some determine that this should exceed 4 months of annual salary.

b) Retirement- Secondary component (more conservative) generally consists of long term investments. As one comes closer to retirement Bonds may play a more prolific role.

c) Investment accounts- Final and more aggressive of the components. This generally is more focused on short term near term. The term “Who dare’s Wins” could come into play. We advice that the investment account be the tail end of the three components.

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Closing Bell
Small Cap (Penny stocks)
Mid Caps

8.16.05


Quick Analysis
Caremark Rx, Inc.
•
It's a prescription benefits manager, or PBM, the middleman between drug manufacturers and health insurance plans.
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The Nashville, Tenn., company buys drugs directly from manufacturers and distributes them through a national network of more than 57,000 pharmacies and mail-order offices.
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The company last year managed more than 480 million prescriptions for individuals from more than 2,000 corporations, insurance companies, managed-care providers and government health plans.
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Second-quarter profit rose 53% on strong growth in mail-pharmacy revenue. Analysts predict Caremark and other prescription-benefits managers will continue to see growth in mailing drugs because it's more cost-effective and convenient for plan members.
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The strong second quarter prompted the company to raise its full-year earnings forecast. But it said 2006 would be a transition year, as Medicare gears up to provide drug coverage for seniors for the first time and the company assesses the impact.
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The company is using profits to retire long-term debt and buy back shares..
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According to Zacks, the average brokerage recommendation on Caremark RX is moderate buy.
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Caremark Rx on Aug. 16 was rated 9 out of 10 on StockScouter.

Quote Detail Company News Interactive Charts

Motorola, Inc.
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The Schaumburg, Ill., company is one of the world’s biggest suppliers to the wireless industry. Motorola also makes cell phones and two-way radios.
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Motorola shares hit a four-year high after the company said profits increased in the second quarter on strong sales of its ultra-slim Razr handsets and other new products. It was its seventh-consecutive solid quarter.
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It solidified its No. 2 position in the global handset market at the expense of smaller rivals like Samsung. Motorola had 18% of global mobile-phone sales in the second quarter. Market leader Nokia had a 33% market share.
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The company recently said it is launching a handset, called the Q, that aims to compete with the popular BlackBerry wireless e-mail device.
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Motorola is also planning to launch a new phone that will play digital music downloaded from Apple Computer's iTunes online music site.
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According to Zacks, the average brokerage recommendation for Motorola is moderate buy.
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Motorola on Aug. 16 was rated 9 out of 10 on StockScouter.

Quote Detail Company News Interactive Charts

The Bank of New York Co.
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It's the nation's oldest bank. It has 340 branches in the New York metropolitan area offering traditional banking, insurance, and investment services.
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The company has acquired dozens of businesses over the past decade as it moves to derive an increasing percentage of its earnings from businesses that provide fee revenues. Bank of New York has picked up several corporate trust and custody operations from other large banks.
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Bank of New York's retail banking operations face fierce competition from rival consumer banks that have flocked to the New York City area hoping to snag footholds in the affluent metro area, The Associated Press said. Bank of New York has largely sat on the sidelines of this retail activity, the AP said, prompting some industry watchers to speculate the bank might sell its retail banking business, operations that could fetch up to $5 billion.
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Fries has a low risk rating on the stock and a 12- to 18-month price target of $40.
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According to Zacks, the average brokerage recommendation for Bank of New York is moderate buy.
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Bank of New York on Aug. 16 was rated 6 out of 10 on StockScouter.

Quote Detail Company News Interactive Charts
==========================================================
More Americans are getting their prescription drugs in the mail thanks to a drive to hold down health care costs by Caremark Rx (CMX, news, msgs) and other pharmacy benefits managers.

Mail-order providers controlled 17% of the market in 2004, up from 12% in 1996. Caremark benefits directly from the trend -- the company posted record second-quarter profit on strong growth in mail-order revenue.

Portfolio manager William Fries offered Caremark Rx as an exclusive pick for readers of CNBC.com on MSN Money. Fries runs the Heritage Growth and Income Trust (HRCVX), up 6.1% year to date and up 2.5% on an annualized basis over five years.
Fries also recommended Motorola (MOT, news, msgs) as an exclusive pick. And he recommended three stocks Tuesday to viewers of "Closing Bell": Bank of New York (BK, news, msgs), Dow Chemical (DOW, news, msgs) and Lloyds TSB Group (LYG, news, msgs).

COSI INC COSI (NASD)
Last 9.90
Change
0.3
Chg%
3.13 %
Volume
948,304
Last Trade
Mon Aug 15 2005 17:34:43 GMT
Data retrieved: Mon Aug 15 2005 23:11:29 GMT
Minutes Delayed: 15

Symbol:
Style: Bar Line Candle Area
Period: Intraday Daily Weekly Monthly Min:
More Chart Settings

Market Recap 8.15.05 Closing Bell

8.15.05 Focus on

The budget defiit

Delta Stock Plunges

Agilent to sell chip unit


NASDAQ Composite
-----------------
Piper Jaffray names Apple top Large cap stock for rest of 2005

Due to market launches and Market gains

------------
Dow Jones up 10%
Oil stocks Down .59
Stocks up on oils decline
Light volume
Inflation data is key (Consumer price index, wholeseller price indexed submitted 8.16.05)

Real Estate market on fire


National association of Homebuilders state that confidence is concerned about land shortages. Job losses also (Example Auto industry) effects the industry.
Medium home price is up

West ^ 13.6%
Northeast ^ 13.1%
Midwest ^12.1%
South ^ 5.7%
(Study my national association of realtors)

Price increase by single digit gains are probable.

Small Caps
Russell 2000

RS Smaller co. Growth Fund (RWWGX)

SRS Labs (SRSL, news, msgs) has a way of processing audio that tricks the ear into thinking sound is coming from all around when the source in fact can be limited to a single speaker. Its audio-enhancement technologies are used by television broadcasters and can be found in millions of cell phones, DVD players, personal computers and other consumer products. The company has the growth potential that makes it attractive to small-cap fund manager William Wolfenden, who runs the RS Smaller Company Growth Fund (RSSGX, up 2.6% year to date and up 2.7% on an annualized basis over five years. Wolfenden offered SRS Labs as an exclusive pick for readers of CNBC.com on MSN Money. He also provided FirstService (FSRV, news, msgs) as an exclusive pick. Wolfenden recommended three stocks Monday to viewers of "Closing Bell": sandwich and salad chain operator Cosi (COSI, news, msgs),
COSI INC COSI (NASD)
Last 9.90
Change
0.3
Chg%
3.13 %
Volume
948,304
Last Trade
Mon Aug 15 2005 17:34:43 GMT
Data retrieved: Mon Aug 15 2005 23:11:29 GMT
Minutes Delayed: 15

Symbol:
Style: Bar Line Candle Area
Period: Intraday Daily Weekly Monthly Min:
More Chart Settings
gambling products supplier Scientific Games (SGMS, news, msgs) and payments company Optimal Group (OPMR, news, msgs). Get additional details below, and use the CNBC.com on MSN tools, including StockScouter, to learn more about each company. And keep up with the Street with the latest Market Dispatch

^31.9% over past year
Outperfomed the russle 2000 over the past 1 and 3 years
Beaten 90% of peers over 3 years, 80% over 5 years

Small Cap Pick (COSI)
10.00 ^.40 [+4.17%] one year
Top horizon 12 months
Risk rating: high
Upside Target: $14.00
Stop-Loss Target: $6.00

Scientific Games (SGMS)
One Year
30.88 ^ .64 [2.08%]
Time Horizon 12 months
Risk Rating Medium
Upside target $38.00
Stop-Loss Target: $24.00
Optimal group (OPMR)
One Year
20.07 ^ .12 [+.60%]
Time Horizon: 12 months
Risk rating: High
Upside Target: $33.00
Stop Loss Target: $15.00