Manage Your Own Money

By Daniel J. Clemons

Authors Note: Donations to Charities

Royalties from the sale of Manage Your Own Money are used for charitable activities.  It supports charities that provide care for abused, sick, and injured animals.  In honor of Aerial, Piper, and Lindy donations are made each month.  Vickie and I thank you for supporting this important work with animals.  We dearly miss our beautiful Lucky Lindy #5 [1998 – 2011]  pictured with a little scrap of fabric he would turn in at the kitchen counter for a cookie.  It was like money in the bank for him.

My dream has always been to build a foundation of financial education for high school students.  Every high school senior should start his or her adult life with a sound financial education.  Book sales have increased to the point that some proceeds can now be directed toward this worthy cause that is also near and dear to my heart.

Thank you for helping me pay it forward by buying my book.

Daniel J. Clemons author Manage Your Own Money

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March 2, 2010 Posted by | Bonds, Exit Strategy, Financial Planning, Fixed Interest, General Questons About Money, Investing in Bonds, Manage Money, Mutual Funds, Personal Money Management, Questions About Balance Sheets, Questions About Bonds, Questions About Budgets, Questions About Mutual Funds, Questions About the Author, Questions About the book Manage Your Own Money, Questions About The Predictor, Questions about Wills and Trusts, Technical Analysis, Trading Strategy, Trading System | , , , , , , , , , , , , , , , , , | Leave a comment

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Important Disclaimer

This material is not intended as an offer or solicitation for the purchase or sale of any security or other financial instrument.  Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.  Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.  Prices, values, or income from any securities or investments mentioned on my blog may not be in the best interests of the investor and the investor may get back less than the amount invested.  Where an investment is described as being likely to yield income, please note that the amount of income that the investor will receive from such an investment may fluctuate. Where an investment or security is denominated in a different currency to the investor’s currency of reference, changes in rates of exchange may have an adverse effect on the value, price or income of or from that investment to the investor.  The information contained on these pages does not constitute advice on the tax consequences of making any particular investment decision.  This material is not intended for any specific investor and does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation of particular securities, financial instruments or strategies to you.  Before acting on any recommendation on any material presented, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice.

Investment Plan

Every Investment Plan should discuss the use of leverage.  Personally, I won’t use 100% leverage or 200% leverage.  It doubles risk or triples risk if leveraged by 200%.  The investor can make twice as much on the way up and lose twice as much on the way down.  It messes with Standard Deviation too.  I don’t deem it suitable for anyone’s portfolio.  Before I invest, I check for the use of leverage.  Notional investing also increases risk unnecessarily.  Investors who use a financial advisor would be wise to have a discussion surrounding the use of leverage including the use of margin in their accounts.  Leveraged investments should come with a warning label stating they can be hazardous to your financial health.  The whole idea behind investing is to achieve a greater return than the S&P 500 by taking less risk than the S&P 500.


Dan Clemons

September 4, 2008 Posted by | General Questons About Money, Ways to save money! | , , , , , , , , , , , , , | Leave a comment


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