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*LEVEL 6 – Book 2: Time Value of Money Includes: Your Personal Starter Guide To Investing Your money will grow The world has grown smaller Before you choose an expert Banks, Credit Unions, Savings & Loans Investments are a part of your life How you can start investing wisely You are part of the world market Don’t believe those wild stories More about Retirement Accounts Guess what’s the odd truth? The alphabet soup of numbered titles You add to your ways to invest Investing beats going into debt You need to be aware of hidden costs Exploring the unknown may pay off You may want to explore options Taking the mystery out of ETFs Your needs create improvements You can learn details that are simple The changing picture for 401 (k) Just when does the taxman cometh? You can almost hear the boom! Welcome to the brave new world of investment change You boomers will live longer The high cost of health care Removing the Safety Net What does this mean to you? Converting savings into income Your own personal pension Economic Growth Exploring modern annuities Learn how annuities work Perks in tax deferral Retirement income Fixed and variable annuities Tax provisions mean a lot The basis for your stability A bullet-proof system Guarantees General Investment-Related Terms Insurance Products Investment-Related Terms

Level 6 – Book 23: Fundamentals of Investing in the Consumer Discretionary Sector Among the different market types the Consumer Discretionary Sector is closely watched during a recession because its components are the first to turn up in anticipation of a bottom in the economy. That’s why the sector is also known as the Cyclicals. When stocks in the sector start up, then in general technology stocks are not far behind. These two groups are the big leaders at the beginning of a bull run in the stock market. The Consumer Discretionary Sector encompasses those industries that tend to be the most sensitive to economic cycles. Its manufacturing segment includes automotive, household durable goods, textiles & apparel and leisure equipment. The services segment includes hotels, restaurants and other leisure facilities, media production and services, and consumer retailing and services.

Level 6 – Book 26: Fundamentals of Investing in the Basic Materials Sector Basic Materials are fundamentally what the world is made of and offer solid investment opportunities depending on where the economy appears to be at any given time during the ever-moving economic cycle. Your fundamental investing approach therefore should be to keep an eye on economic indicators to help predict the cycle’s rotation. Among the different market types the Basic Materials Sector often signals progress in emerging from a recessionary dip in the business cycle. Fundamentally it indicates businesses and governments are spending money on building which obviously requires Basic Materials with which to build. But there are 17 categories of Basic Materials to track. They don’t all respond to early demand in the same way. That’s why investors should learn a little more about tracking the broader picture as sketched by the leading indicators. Learning to read leading indicators helps you anticipate what’s likely to happen next.

Level 6 – Book 28: The Basic Materials Sector as an Investment – Advanced Methodologies This series of three installments has looked first at the fundamentals of Basic Materials. Part II examined the intermediate view of what impacts different elements within the sector. This third installment will show some of the companies in many of the 17 segments of Basic Materials that may offer investment opportunities. Investors are reminded that investors should learn to consider all aspects of a company, including market price, market cap, price/earnings ratios, return on equity, dividend yield, long-term debt to equity, price to book value, net profit margin, price to free cash flow, and anything else that matters. To really get a solid perspective on the tons of data available, investors should check the possibility of using the SNL Financial resources.


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