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Featured Member: Jason Chen - Annual Return of 25%

Featured Member: Jason Chen - Annual Return of 25%

Hi Jason Would you be able to tell us how you got started in stock investing?

I got started in stock investing in 2010 after I won a stock market competition on the Investopedia Portfolio Simulator at the finance club of the University of Waterloo.

Featured Member: JR Ewing Investment Advisor with Annual Returns of up to 48%

Featured Member: JR Ewing Investment Advisor with Annual Returns of up to 48%

Hi JR Ewing! Would you be able to tell us how you got started in stock investing?

I first started as a passive investor back in early '95. I had just finished up several years of military service after graduating from college several years earlier, and was just starting my career - my first "real" job. My Godfather gave me a magazine article that wrote about how one could become a millionaire in several decades by putting away $100 a week into the stock market, assuming of course that you would get the rate of return the markets had averaged over the years. Because my Godfather was a self made millionaire who retired when he was still fairly young, I listened to him.

Featured Member: IV_Trader - Options Trader With Annual Returns of 35%

Featured Member: IV_Trader - Options Trader With Annual Returns of 35%

Hi iv_trader! Would you be able to tell us how you got started in stock investing?

I started trading stocks in a retirement and TFSA Accounts in my early 20's and started trading options after the 2008 pullback, looking for other solutions that would allow for profit in a bear market.

What is your current investing style? What kind of returns are you seeing?

I trade options actively approx 500 contracts per month.  I trade neutral beta weighted against SPX.  so some positions are bearish , some are bullish, and some are neutral but I keep the

10 Stocks The #Investing Community is Discussing To Trade This Month!

10 Stocks The #Investing Community is Discussing To Trade This Month!

Recently one of our #Investing chat community members had a great idea to add to our community. A new separate channel called #Pickofthemonth where members can join in to pitch and discuss up to 10 stocks each month.  The ultimate goal of the community in this channel would be in agreeing to trade one of them at the end of each month.

Our very own member @hm was interviewed by BANKNXT! Take a look:

Our very own member @hm was interviewed by BANKNXT! Take a look:

Phil Siarri speaks to Hoda Mehr, CEO and co-founder of San Francisco startup Invest Groove, a stock market research and idea validation platform that aims to empower regular people to make informed decisions based on easy-to-understand structure and well-researched insights.

Hi Hoda, nice to meet you. Can you tell us about your background?

Nice to meet you too, Phil! I’m the co-founder and CEO of Invest Groove. This is my latest career and life adventure based on my stock market investing hobby, which I picked up from my dad when I was a teenager. Before Invest Groove, for 13 years I pursued my career in strategic planning and insights within large technology organisations. I’m also very fortunate to have a technical co-founder – Aidin Eslami – who is the company’s CTO. He’s a full stack developer and an independent movie producer. Not only is he building our core platform, he also brings an artistic flare to our UX design.


Hoda Mehr from Invest Groove

What’s the concept behind Invest Groove?

When I was investing in the stock market on my own, the process of doing research and testing my ideas was really cumbersome. It would start from a piece of news, or a friend recommending a stock. Sometimes I would buy something in the store and I’d wonder whether the stock was a good investment. When I had an idea, then the first moment I’d get a chance I would start the research from Google. I would read articles, corporate annual reports and financial analysis, then dig into Quora and Reddit to see what others would say. I would summarise everything I learned in a Google Sheet, take a good look at the financial data and finally make a decision. This was painful and used to take me a couple of hours. More importantly, I had to do multiple research runs for at least 5-10 stocks before I gave one stock a thumbs-up.

The ratio of research-to-buy decision is really high if you’d want to make a logical investing decision. I then realised that many other people go through the same pain, so decided to build a platform to facilitate the process for people like me.

What is your unfair advantage vs other communities, such as Seeking Alpha or Motley Fool?

Both of these communities are great. I’m actually a member of both, and have learned a lot from them, especially the Motley Fool crew. The difference between us and them is in the consistency of our research process and framework. Our analysts and APIs read all the articles, financial data, and so on, and summarise such for our users into a consistent framework. We call them a ‘stock card’. When you come to our platform, you get the answers in 30 seconds on one page; no need to read through the articles, compare one analyst’s research to another.

We also tell you how many other investors agree or disagree with that research, and you have the choice to filter who you would want to trust and listen to. So while our investing philosophy is similar to the likes of Motley Fool and many great investors on the Seeking Alpha community, we go the extra mile of doing the work for our users, giving them the power to decide who they’d want to listen to with minimum effort on their part.

Down the line, do you consider turning Invest Groove into a fully fledged trading platform?

It depends on our users and what they would need down the road. Our focus is to relentlessly reduce the pain of investing in the stock market for regular investors like us. The closest example I have is how Amazon is removing the online shopping pain one step at a time. We believe the starting place for us is to reduce the pain of stock market investing research. Once that’s solved for our users, we will work with our community to tackle the next big pain they have. The power is in our users’ hands to shape the next steps.

What is your current funding strategy?

Right now, we’re funding the project through our personal savings, and friends and family. After all, we are great stock market investors, and some of our earlier good investing decisions are now helping us fund the project.

Our goal is to find angel investors or VCs who share our vision. We’d like to put together a group of investors who are stock market investors themselves. They understand the pain and are passionate about solving it. I also like the idea of letting our users join the fun! Our users are thoughtful and logical investors in the public market, and they will know a good opportunity when they see one. When the time is right, we will definitely share the opportunity with our users.

Are there any fintech firms you admire?

There are two firms that I’m a fan of. Both are questioning the legacy processes of the financial industry. First one is Affirm. This is a company founded by Max Levchin, one of the original PayPal founders. It looks at credit score differently. Credit score calculation process is designed based on how people used to live: stay in one country, never move, buy a house in your mid-20s, get a stable job and stick to it for years. This is not how many successful people live anymore, and creditworthiness shouldn’t be calculated that way anymore. Affirm is tackling this issue.

The second one is actually a publicly traded company called Ellie Mae (Ticker ELLI). Full disclosure, I personally own some shares and I really appreciate what it does, because it’s automating the agonising process of mortgage underwriting for smaller banks. I think it will be a big part of the financial industry in future.

Do you think fintech is an opportunity for women to shake things down when it comes to gender bias in finance?

I’d like to go one level broader: I think women need to see themselves as wealth generators and investors to be a part of the fintech sector. The number of women I personally know that actively invest in the stock market isn’t so many. I think women shy away from financial decision-making. I’d like the next Warren Buffet to be a woman. I want to see the next Carl Icahn be a woman. I don’t personally know one single investing icon that’s a women. I’d like to change that.

I also think women have what it takes to be successful capital allocators. We ran a survey in the fall of 2016. We asked people, when they hear ‘investing’, what comes to mind? Interestingly enough, women were 1.5 times more likely to associate investing with the longer-term horizon (sample size of 80). The way women think long-term is very well aligned with making better investment decisions, and that makes them great candidates to drive fintech progress.

Recently, your team joined the Founder Institute incubator. How did this partnership come about, and what has been your experience so far?

My appreciation for the Founder Institute comes from my belief in the power of process. If you think about it, successful investing in the stock market requires you to adopt a consistent research and decision-making process, and repeat it several times. The Founder Institute approach to building a company is similar. By sticking to a logical company development process, you increase the chances of your success. Five weeks into the programme, I believe the process has proven to be effective. We’re very happy that we’re still in the programme. Many of the participating founders drop out or are asked to do so based on their progress. We are still going strong.

What’s next for Invest Groove? Do you have an approximate release date?

We have version one of our website up and live, and are using it to collect feedback and talk to our users. People can try our research framework, ask for our research result for any publicly traded company, and we will send the results to them and ask for five questions to help us enhance the platform and product. We will continue this process in the next couple of weeks.

Our goal is to have our beta platform live at the time we graduate from the Founder Institute in mid-April 2017. So far, we’ve been fortunate to receive requests and multiple beta users sign-ups, and we would continue to invite more people to do so.

Our Slack Community for US & Canadian Stock Investors Now Has Over 500 Members!

Our Slack Community for US & Canadian Stock Investors Now Has Over 500 Members!

Hey Investors!

When the community was born in late June 2016, I envisioned developing a strong group of knowledgeable and diverse individuals that would share news, ideas, opinions, and experiences in a real-time chat. Six months in and we are starting to get there. Now with over 500 members in the group with members from all over the world, we are starting to see a community of investors chatting about new ways and new ideas to make money together. Not only that, but my expectations have been surpassed and what we are seeing is a true community of people who are genuinely looking to help each other grow and make money. 

For those who are unsure what to expect in the chat, I like to use the analogy of a highly organized Whatsapp/messenger/iMessage group chat. Slack allows the chat to be organized in different topics (known as channels). This way the chat is never over engaged and hard to keep up with. Many people tend to ask why they should join a stock trading chat group when there are hundreds if not thousands of other platforms like forums, Facebook groups, subreddits, and apps. I think what makes our chat community superior to those is that the real-time aspect works much better with stock trading then do forums. Stock prices change instantly and a buying opportunity could be a missed opportunity very quickly. Getting quick feedback from others right away is very powerful. Especially when the platform itself is easily accessible on any device, mobile device included. Also, sharing documents, links, images, and other multimedia is incredibly easy. Exactly as easy as sharing things with friends in chat message app. Lastly, communication is ephemeral, chat based knowledge sharing is a better way to learn and discuss because it allows for natural discussion where going off topic can help think of new ideas and new opportunities. 

Who is the community for? Anyone with an interest in stock investing primarily in US and Canadian stocks. The strength of the community is when people of different knowledge bases, experiences, and styles come together. The phrase, "two minds are better than one" applies perfectly here, but instead of two minds, there are over 500 minds. Even beginner investors are welcomed so that they can begin their investing careers with proper information from seasoned veterans. Here is an example: 


As you can see, we are extremely pride of being a true community and being a warm and safe place for investors of any background to come in and converse, learn, and share. We aren't building for quantity, but are building for quality. 

If you would like to try out our community, you can try it for 30 days for FREE using coupon code KNOWLEDGEISMONEY. Click on the image below to be re-directed to the checkout. This ensures that you are 100% satisfied with the community before committing to be a full member. This allows us to be certain that new members are getting true value. 

Thanks for reading and if you have any questions feel free to get in touch with me either through the contact form on the website or by tweeting me at @harv_79


8 Great Canadian Value Investing Stocks Going Into 2017

8 Great Canadian Value Investing Stocks Going Into 2017

We researched hundreds of Canadian companies to determine whether they are fit for defensive investors. Out of those, here are eight that we found to be undervalued or fairly valued to be suitable for value investors.

1. WestJet Airlines:

The airline industry is a cyclical market. Like for car companies, there are some good and some bad times for airlines. We, as an investor, are trying to find good times and avoid the bad. The industry closely tracks with the overall economy. People are going to fly to places if they are earning good money and have extra income. On the other hand, people choose to stay local or spend more time traveling in the car when the economy is weak.

A company like WestJet (TSE: WJA) can be difficult to time the entrance and exit truly. People are flying on WestJet or Air Canada plane if they are flying from Calgary or Montreal to Winnipeg. Both of these airlines know there is little competition and they price their routes accordingly. Our pick, WestJet has a significant advantage over Air Canada. Westjet spends 25% less than Air Canada on a per-mile-flown basis. Also, WestJet has been able to deliver consistent profits and has an excellent dividend growth. Recently, the stock is down mainly due to its exposure to Alberta. Our recommendation is to buy WestJet as long as investors can handle the cycle nature of the company. A few members in our chat group currently hold this stock.


2. Granite Oil

An oil producer based in Calgary, Granite Oil (TSE: GXO) owns and operates Alberta Bakken oil pool in Southern Alberta. The company is currently under the leadership of CEO Michael Kabanuk. Granite Oil is one of the few energy companies to make this list. The company not only escaped the oil and gas sell-off but also it bounced back faster. Even though the company with the recent OPEC agreement spiked nearly 25%, it may still be a good value.


3. Martinrea International:

Martinrea International Inc (TSE: MRE) was founded in 2001 and is a tier one supplier of automotive parts, assemblies, and modules. In terms of revenue, it is the second largest North American metal former. It is also a market leader in aluminum parts.

The stock is available at a considerable discount of around 24% on Friday’s trading price. Of 4 analysts covering Martinrea, 3 rates it a “Buy,” 1 “Hold” and 0 “Sell”. It means 75% of the analysts are positive with $21.5 being the highest target and $13.5 being the lowest.


4. Capital Power:

Capital Power (TSE: CPX) is North American power producer headquartered in Alberta. The company develops, acquires, operates, and optimizes power generation from a variety of energy sources. It owns more than 3,200 megawatts of power generation capacity at 18 facilities across North America.

Capital power generates a huge portion of its electricity from coal-fired plants, and its shares are priced low due to its exposure to coal-fired power in Alberta. Six of its coal plants are scheduled to close between 2036 and 2061. The government has declared the province to be coal power free by 2030 and the investors are concerned about Capital's asset. However, we think capital power is undervalued and the good news for the company is it is likely to get a payout from the government, a payday close to $1billion.


5. Corus Entertainment:

Corus Entertainment Inc. (TSX: CJR.B) has recently acquired Shaw Communications.  Corus has transformed itself into a television powerhouse with this acquisition. The new company is expected to generate between $300 and $350 million in free cash flow.  With that free cash flow, the company is supposed to make around $1.6 per share. It puts the company's share somewhere around eight times free cash flow. It makes the market leader, Corus Entertainment, really cheap.


6. Canadian National Railway company:

The Canadian National Railway Company (TSE: CNR) is a Canadian Class 1 Railway headquartered in Montreal, Quebec. It serves Canada and the Midwestern and the Southern United States. Canada National is the largest railway in Canada.

The stock has received a consensus rating of “Hold” from the thirty ratings firms that are currently covering the company. The average one-year target price among firms is $76.29.


7. Magna International Inc:

Magna Inc. (TSE: MG) is a global automotive supplier. It is headquartered in Aurora, Ontario, Canada. The primary business of Magna is to manufacture auto parts to General Motors, Ford Motor Company, and Chrysler LLC. In addition to these Big 3 U.S automakers, its customers also include Tesla Motors, Volkswagen, BMW, and Toyota. The company designs, engineers, tests, and manufactures exterior systems, seating systems, electric vehicle system, chassis system and others.

Magna is a dividend diamond. It currently a dividend yield of 2.39%. On a consensus basis, analysts have a Buy/Sell rating of 2.40. The rating is based on a 1 to 5 scale where 1 represents a Strong Buy and 5 a Strong Sell.


8. Fortis Inc:

Fortis (TSE: FTS) is one of the top 15 utilities in North America. It owns natural gas distribution, power generation, and electricity transmission assets in the United States, Canada, and the Caribbean. Fortis has been awarded an S&P rating of A-. The company’s 60% of the asset being in the United States.  It makes Fortis attractive for Canadian investors to get some exposure south of the border. The company also has a successful track record of acquisitions and has increased dividend per share for more than four decades. Its portfolio is low risk and well diversified. It has 3.2 million electric and gas consumers. The stock has dropped about 10% from a recent high of $44. The company has increased its dividend for 43 consecutive years. It is an opportunity to buy Fortis when it trades at about $40 per share and yields nearly 4%.

4 Things Millennials Should Keep In Mind When Investing Their Money Under A Trump Presidency

4 Things Millennials Should Keep In Mind When Investing Their Money Under A Trump Presidency

1. Start Now:

It is never too early to make your first investments, not even now with the recent changes in power politics in Washington. While investment gurus might suggest you to access your risk and know everything regarding the market before buying that first stock, this is often a vague concept. Not a single person in the market knows what will be the price of a stock tomorrow. It is almost impossible to predict the market price for a particular time in future. Being close to the future stock performance, however, is entirely possible. The stance of a value investor ignores short-term roller coasters and micro events. Rather, focus on a business that has long-term potential. Warren Buffett is a legend at picking stocks that will likely be as important as they are now. Shaving products, underwear, Coca cola to name a few. It is hard to imagine a future without any of these. Regardless of who is president, people will still be buying these products.


2. Autopilot Trap:

There are many Stock Advisors available in the market today. While all of them show their impressive market returns beating S&P returns, only a few of them are real. I honestly think it is good to use a premium service to sort the stocks down. However, the problem with this is that if you follow someone else’s portfolio or allow anyone to handle your portfolio, you have hardly any say on the market performance. You certainly don’t want to hand over the money you saved all your life to someone else and not know what they are doing. It also does not mean reading The Wall Street Journal from Start to Finish. A good approach can be to use a highly rated portfolio service to sort the stocks and use that to make your judgments. Autopilots are dependent on stocks historic performance. When new things are coming up politics, you might want to look forward, keeping the history in mind. Another recommendation from the book “The Intelligent Investor”, is to put your money in a low-fee index fund. Something like the Vanguard and keep your money in there for a while. This takes a cross section of the American economy picking the best stocks.


3. Preparing for Trump Administration:

In one of his campaign announcement, Trump mentioned,"Be careful of a bubble because what you've seen in the past might be small potatoes compared to what happens." He suggested that the stock market is currently a big bubble and crashing very soon. The media's claim has gone haywire and they look pretty dishonest with the Trump making his way to the presidency. Also, analysts were of the opinion that a Trump presidency would be bad for the market. When FBI chief said FBI would reopen the election running Hillary Clinton’s case; the market did feel Trump would win and go down. The markets didn’t react the same when Trump won. Awaking Trump's presidency, stock markets went up in the hope that he would not only make America Great Again but the stock market also. However, with the December Fed rate hike on Pipeline, this trend might not continue forever, and millennials should make only solid bets. Even a small hike can potentially crash the market.  Also, a sectoral performance like a Private prison, Security, and Defense can be closely watched as they can have excellent potential under Trump's presidency. Private prison are to benefit as before deporting any illegal immigrants under Trump’s plan; they have to spend some time in jail for an average of 33.5 days at the cost of $118.88 per day per bed, beds such as those provided by #GEO Geo Group. Some stocks like AAPL, who have huge cash reserves abroad now finally may be able to bring back their money to the US, on account of Trump’s promise of no business of any size would pay taxes more than 15% and his plan to avoid double taxation.


4. Don’t risk altogether:

Being confident about your decisions is one thing, making a sustainable growing portfolio is another. One should hold at least three or more stocks across multiple sectors for a minimum investment time of 3 years. The risk of a diversified portfolio is less than the individual stock in a portfolio. Diversification, however, is not a panacea. Financial assets are risky and diversification can even though reduce risk but cannot eliminate it.

#Investing is now partnering with ValueWalk to further grow our exclusive chat community!

#Investing is now partnering with ValueWalk to further grow our exclusive chat community!

Hi investors! 

Trying to grow a community it hard. Trying to grow an exclusive community is even harder.

When I first created this community for investors 2 months ago, I envisioned building a strong community of global members with a diverse knowledge base. The goal was to build a community where members could engage in thought provoking discussions about news, opportunities and ideas in a simple chat based platform powered by Slack which allows it to be used on mobile, tablet, laptop, and/or desktop. 

With 0 marketing budget and minimal press exposure, the community is already 125+ members strong. The discussion levels vary depending on the day and I admit it's a work in progress and my main concern and focus. We've implemented new features such as polling to spark discussion among the members. This seems to be a neat way and we'll definitely be doing more of these! Here is an example (click to enlarge): 


The chat platform itself is extremely simple to use. Slack, which primarily is used as a corporate communication software, has recently seen a surge in being used for communities.  It makes sense, many of us are using chat applications more then ever such as Whatsapp, Facebook messenger, Snapchat, Skype, and the newest addition to the market, Google Allo. A community chat on Slack provides a similar experience of a real time conversation, but with 100's or 1000's of members instead of a small group of friends/family. I like to think of it as a live digital networking event right in your pocket. I think this is extremely useful and incredibly valuable. 

As a way to further increase the exposure of the community to reach even more potential interested investors, I reached out to a few online investing bloggers with an established user base. ValueWalk was my first pick and my first email sent. Jacob Wolinsky (Founder and CEO of ValueWalk) was quite interested in the chat aspect of the community and its potential for people to easily share and discuss investing ideas. From there we agreed on some simple terms to see if we could keep growing #Investing together to the next level. ValueWalk is an amazing investing news publisher and media website with monthly views in the millions. Being affiliated with such a brand is exciting for the community as we focus and look forward to planning it's growth into our vision of a thriving exclusive investing community. 

So who are we looking for? Not quantity, but quality. #Investing's true value will be in it's members and because of that we are looking for people who are truly passionate about investing and money making ideas. If you're a curious person who loves to share news, discuss opportunities, and continually learn from others, then this community will fit like a pair of new Levi's jeans (assuming you like Levi's jeans and that they fit you as well as they do for me). 

If you have any questions or hesitations about joining feel free to fill in the contact us box below. 

Get in touch!

The definitive list of resources for people interested in anything investing.

The definitive list of resources for people interested in anything investing.

Hey everyone! 

One of our amazing chat members @baudwalk has put together an amazing list of resources he uses for investing information, news, application, and community. I have simplified the official version to put it in a readable blog post. A full downloadable version is available for chat members. Here goes! A definitive list of investing related resources. 



The purpose of this write up is to detail sources of investing information I find useful. The items are grouped as follows:

(1) sources that I look at on a mostly daily basis;

(2) apps/software or web sites I regularly use;

(3) investing message boards; and

(4) something for those new to finance and investing.

The following material is based upon my interests and research, and opinions are mine. Understand that this material is not to be taken as professional advice, and you must do your own due diligence. I have been retired for a number of years now, and fortunately have the luxury of time to read, listen and watch. I did not work in the financial industry, nor was I a CPA. I consider myself a news junkie and a techie (first computer in 1979, first mobile phone in 1992).

Unless stated otherwise, times given are Eastern (USA) time.

(1)  These are the sources I look at on a mostly daily basis.

CNBC Fast Money (FM), airing at 5 pm Eastern, is focused on what made the markets move during the business day. The panel of traders speak to currencies, global economies, commodities, sectors and stocks that made news that day. I find it to be a fast moving engaging show that invariably gives me ideas for further reading and sometimes additions to a watchlist. I am not a day trader, but I will pay attention to discussions on price moves re entry or exit. If the CNBC traders are discussing a stock or group of stocks in a sector, I certainly don't take their statements as gospel nor do I act on them immediately. If something sounds interesting I'll put one or more tickers on a watch list for possible future action while I do my own due diligence. In my opinion, FM deserves watching on a daily basis to get the most out of it. The show airs at an inconvenient time for me, so I have the DVR set up to automatically record the program to watch it later in the evening. Note that FM videos are on their web site (

Akin to FM, the CNBC Halftime Report (HR) at Noon Eastern can be interesting especially on volatile days. The traders offer insights to why the market, sectors, or stocks are moving in midday. Breaking news alters the show on the fly. Note the show airs shortly after the European markets close.

I prefer the Bloomberg Business app, compared to the Bloomberg web site (, for its ease of use, particularly during the late evening when it comes to looking at futures and current indicies in Asia-Pacific and Europe-Middle East-African markets. A contagion that spreads westward around the globe is quite evident. Unlike CNBC, Bloomberg streams their TV programming to the web site, mobile devices and Roku (more on this below) without charge. I don't watch their Bloomberg West show, covering tech news primarily from the Silicon Valley, daily but it's particularly worth a look in during major consumer electronics shows.

Bloomberg's "Trending Business" airs at 9 pm Eastern Sundays through Thursdays. The show, based in Hong Kong, covers the markets opening in Asia, including Japan, Korea, Singapore, Hong Kong and China. If events cause market turmoil, the breadth of contagion is quite apparent. I like it.

The Fox Business (FB) channel doesn't have the worldwide resources and bureaus of Bloomberg or CNBC. To their credit,  however, FB stays on point with business news whereas left-leaning liberal Bloomberg and CNBC rush off to cover essentially minor political events typically involving POTUS. Reportedly, ratings improved in 1Q2016; I recommend you look at the channel and judge for yourself.

The BBC World Service Business News airs at H+30 at Midnight and 1 am Eastern (probably all night, but I do sleep) and incorporates cut-ins from studios in the Far East as market news dictates.

On NHK World Japan, the business news segment embedded in the hour or half hour newscast is usually somewhere in the H+5 to H+15 minute time period. I usually catch the 8-to-10 minute segment at 11 pm, Midnight or 1 am Eastern. It is more-or-less midday in Tokyo, and you may catch the segment during the exchange's lunch break. The segment carries news of the Japanese and Korean markets not always well-covered, in my opinion, by the BBC, Bloomberg and CNBC broadcast personnel based in Hong Kong. It isn't a quite daily habit for me. NHK World Japan's English language TV service is carried OTA by a local public television outlet, and therefore is required to be carried by the cable TV service. Apparently it is streamed on the net as well. See for details.

Do you have SiriusXM in the car or on a smartphone or tablet? Listen to the simulcast TV audio of CNBC on channel 112 and Fox Business on channel 113. Bloomberg has a standalone radio network on channel 119 that inserts simulcast TV audio at various times in the 24-hour day. See for details on Bloomberg's AM and FM outlets. WBBR-1130 New York City is the base of network operations; use the iHeartRadio website or the Android/iOS app to listen if you are not in range of one of the USA outlets.

(2) Software applications or web sites i use regularly include the following:

I don't use a PC anymore. I always have a Android Samsung  smartphone with me and a Samsung 10-inch Android 4G LTE-capable tablet nearby, when out in the car and when traveling. (When away from home, I alway use the telephone network -- never any public/open WiFi -- for account security.) Besides my Fidelity mobile brokerage app, these apps are helpful. These apps should be available on iOS too. Most apps have web sites.

Bloomberg Business, for reasons stated above.

CNBC finally, in August 2016, upgraded its Android mobile app to include its live TV programming. My guess is the parent company Comcast realized the change from Apple-centric was long overdue.

Seeking Alpha (SA) allows me to enter symbols of stocks in my portfolio and watchlists. It pushes news alerts for those entries, attracting my attention to breaking news, e.g., earnings reports and significant events. I pay less attention to the articles written by contributors, and the comments on the contributed articles can be more interesting than the articles themselves. For jollies, read the comments before reading the article. I am ornery enough to call out some writings that are pure drivel. Find SA on the web here (

StockTwits (ST) also allows me to follow selected stocks and receive push notices of those trending with rising message volume. Functioning akin to Twitter, short comments take the temperature of followers. To be sure, there are some pump-and-dump, self-promotion and nonsense messages but common sense filters those things out. Like Twitter, you can comment and ask or answer questions. I find ST is particularly interesting around corporate news events and earning seasons. Additionally, it is also useful to perhaps figure out what causing a pop or drop in a stock you are following as it happens during the course of a day. Invariably someone will post the breaking news with a link. Find ST on the web here ( It should be noted that ST popularized the use of the dollar sign ($)  as a prefix to the stock symbol, e.g., $AAPL, and you will see this format elsewhere.

i use Twitter ( to follow selected accounts including, but not limited to, those national, international and business news sources of interest to me, plus the related accounts of some on-air personalities. TweetDeck ( is a good alternative to the Twitter app, but it only is only available by using a web browser; it works well on my 10-inch tablet. I like the TweetCaster ( app for the smartphone and tablet in lieu of the stock Twitter app; the Pro version removes adverts.

For Android, I absolutely love the app "Stocks--Realtime Stock Quotes" ( for the phone and tablet. The app retrieves realtime stock quotes determined by entries in one's portfolios and watchlists created in Google Finance ( The simplicity of the app is belied by its design, readability and responsiveness. The fonts make for an uncluttered screen that can be read at a glance while on the go, even when the phone is at a distance affixed to a vehicle's windshield or dash mount. The developer has been very responsive to constructive suggestions for improvement. Did I say I like this app? (I don't trade in forex, but ulnvest Studio has a Currency app as well. I cannot comment on its veracity.)

(3) Message Boards and Communities

Message boards and stock forums, providing gathering places for investors to discuss investments et al of common interest, populate the web. Rather than operate as a message board unto itself, The Lion ( aggregates and indexes message headers, with links, gathered from blogs and forums on numerous (obviously not all) web sites. It can be a significant help in looking for investor comments on lesser-traded stocks. I like it, but it is important to engage one's common sense filter.

The Yahoo! Finance message boards ( are probably most widely known and might be amusing for a few minutes, but it's akin to the wild west littered with pump-and-dump spam messages and some rather strange comments. Engage your common sense filter before scanning message headers. Yahoo! as a business has not fairing well in recent years. In 2Q2016 Yahoo! put its core assets up for sale. It isn't clear to me what these are, or whether the message boards will be affected.

Bogelheads ( includes both an information wiki and forums, best explained on its About ( page. My perception is that Bogleheads' forums focus more on investment instrument choices and retirement strategies rather than specific stock discussions of interest to active day and swing traders.

The Bull Market Board ( offers 20 forums, 10 of which are focused on stocks, markets and other investments, 3 on real estate, and 4 general interest forums. The threads on stocks and forex seem to be most active. There are a number of members from European and a few Asian countries represented in the membership and who add to the breadth to the conversation. I find the Politics Discussion forum is particularly fun as the left and right, conservatives and liberals, tweak each in civil discourse. The board was taken over by a new owner in May 2016, and changes for the better have been made. Have a read.

StockRants ( features 15 forums, 3 of which are those new to the board, for active investors. Unfortunately the owner/administrator has not been paying attention to the board as there are a number of broken links and open questions to administrators aren't being answered. That is a big negative in my book, but have a look. Perhaps activity has picked up, and see if it is of interest to you. But what additionally makes StockRants unique is its hosting of a live chat channel using the Internet Relay Chat ( protocol that has existed since 1988. Virtually an unlimited number of persons can simultaneously log into the StockRants IRC channel through the web site or by installing IRC software available for virtually all operating systems; I used mIRC ( for Windows for decades, and now i use Yaaic (  on my Android tablets. If you are interested in IRC, do take the time to read the FAQs (frequently asked questions) to setup the software and the basic keyboard commands used when on line.

(InvestorsHub ( offers board forums, but there are many complaints elsewhere on the web. It seems to be oriented toward penny stocks. I mention this board because it exists, but be cautious and install your common filter should you explore this forum.)

Hashtag Investing (HI) ( is a community of investors exchanging ideas and questions in realtime. Its functionality reminds me of the decades-old IRC (Internet Relay Chat), but clearly the Slack ( platform is more capable. HI began in the summer of 2016. Participation levels vary, but should pick up with time. Have a look.

(4) For newbs

Investopedia ( is the go-to reference encyclopedia for everything finance and investing. Similar to Wikipedia (, Investopedia covers the waterfront in an unbiased unopinionated writing style. Reading something with unfamiliar subject matter, terms or words? Pop open a second web browser tab, copy and paste.

Moneychimp ( isn't a market news source but it may be useful for those persons wanting to get started on learning how to begin investing (see "Investing 101"), how to manage credit and considering retirement. Unlike Investopedia, Moneychimp offers a wide variety of easy-to-read beginning reference material that can lead to detailed information. The site originally attracted my attention with some of its calculators. The "frugality" section includes calculators on savings, credit card debt, and index versus mutual funds. Judging from various forum threads on credit issues, the credit card debt calculator should shock some people. Just for grins, I plugged in a $5,000 bill, paying $100 a month at 18.5% to see how long it would take to pay off. The result? Just shy of 8 years (94 months), with interest totalling $4,300. Urk! There are a variety of financial calculators (, including mortgage and retirement. I played with the retirement payout numbers (how long will money last), and the results just reinforce my philosophy of paying yourself first during your working years. Is Moneychimp perfect? Probably not, but it may be an interesting and useful web site to begin exploring investing and financial areas. Moneychimp is not the singular source to explore and learn, but I feel feel it does raise an awareness level.

In conclusion, these comments are assembled from multiple tagged notes in my Evernote account. I apologize in advance for grammar and syntax that may not be consistent, and the tablet's autocorrect may have tripped me up in places. Nevertheless I hope this helps. Your mileage may vary.

* Last revised 10 Aug 2016

Why we are building an exclusive Investing real-time mobile chat community.


Investing. We all know this word and know it's importance. Whether it is mentioned in phrases like, "Put your money to work" or, "Get your money to make you more money", or even "Use your money to create passive income channels" we all chase the idea of growing our savings through smart investing decisions. 

Everyone invests differently. No one idea, no one style is better than any other. It is just what works for certain people. There are so many different ways to invest. Real estate, stock trading, venture capital, business, and even newer ways like cryptocurrency has made people millions. 

With all these different methods it is hard to know everything. Sure, we can Google how to invest in Bitcoin but let's be honest, a quick article won't give you as much information as you need to begin doing it. You need to discuss with several people and get different experiences with it. You need to discuss it. You need to get as much information as you can in as quick as time as possible. Opportunity does not last forever. 

The very basis of building this chat community is that knowledge is power.  Knowing as much as possible in a short time to make a good investing decision. Having the power of over 100 investing individuals in your pocket in a real-time chat will allow you to find out right away whether you should make an offer on an investment property, buy the stock that just dropped 25%, or get into the Bitcoin market. 

Our chat community now is over 100 members from varying backgrounds and skillsets. The community is built on a Slack chat platform. This allows for an organized chat based community on either your laptop or mobile device. Think of a whatsapp group where every topic is organized in sub-categories. 

Our goal as a community is to create a diverse and exclusive community where discussions lead to smart decisions, and these smart decisions lead to incredible investments with phenomenal returns.