I have been fascinated with the market since I came across my first finance book... I am putting this passion and knowledge to use in my new company, utilizing a modern way of investing while retaining old ones. You will find a vast number of options for you and your money and a comprehensive duty to you as a client.

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Happy Holidays

Thank you for being part of this company of family and friends!

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Be ahead of the pack when you pick a SEP IRA as a business owner?

If you are self-employed then an SEP-IRA is a great way to save for your future without worrying about record keeping, filling out loads of forms and having to keep track of everything. There is also the added advantage of being able to contribute more than you would with a normal retirement plan

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Should I Be Concerned With Volatility In My Investments?

There will be ups and downs just as in any investment opportunity; the important thing is to determine your investment horizon and ultimate goal. Remember, the maniac Mr. Market should not dominate your investment strategy.

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How often should I check my portfolio?

How often should you do it? daily? weekly? monthly?yearly? Read more to find out...

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Be honest when you evaluate your risk

Things to bear in mind when assessing your risk tolerance are to remain completely honest – even if this means admitting you don’t know something. Remember, when you go see your doctor, you are not expected to know human anatomy or chemistry. Your doctor analyzes your personal information and makes a decision based on this. A financial advisor, should listen to your concerns and act accordingly regardless of your level of knowledge. Both doctor and financial adviser are more than capable to explain how and why an action plan is suited for you.

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Men vs. Women: how and why they invest differently

Basically, women are more patient and thus are better suited for long-term plans, whereas men are more suited to a short-term investment plan.

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Financial Adviser: How to find one in the "Wild West" world of Wall Street

When choosing a financial adviser, take your time and do your research. Most people will do more research buying a new television than they spend investigating the person they are trusting with their life savings

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Retirement Accounts For Small Businesses

When you’re running your own business you still need to ensure you have a robust retirement plan in place for your employees. It offers them great incentive to stay with you and is a much more attractive prospect, especially with people these days becoming more conscious of their futures and how far their money can stretch. It might seem like a two minute job but if you’re going to get the best out of it for everyone involved then you’ll need to look a bit further than the first thing that pops up. Luckily for you we’ve put together a few of the basics to help make your life that much easier.

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Diversify! Everyone is talking about it…

The securities market isn’t for those faint of heart. The foremost illustrious example used to explain diversification is the proverb, “Don’t put all your eggs in one basket”. If you do not engage in stock picking or, perhaps, have a poor track record, then, diversification should be done by all means.

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5 unique things you can do with $1,200 today

Credit card level is reaching new levels in the United States. You can factor incentives such as low APR and/or points to use for travel, shopping and cash backs among many other perks. Credit card interest rates can range from 12-25% and higher.

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Valuing A Business

There is a pretty famous example detailing valuation. It involves a "dollar machine" handing out one dollar every year for ten years. Pause for a moment and think, how much would you pay for this machine? See the answer at the end and measure how you did!

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Buying AutoNation?

When buying a business or a piece of it (stock/ share), you are investing in the net worth of the company and future cash the company can generate. From a quick glance, the numbers point to a promising growing company, but when you look deeper in their financials, their numbers start to reveal weaknesses in the business structure.

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Where Is The Government Putting Your Tax Dollars?

The above are average numbers; many of them, like Defense, have decreased below 5%. Ultimately, though, the numbers add up to 100%. If you want to increase spending in one area, you must sacrifice another.

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5 Useful Tips To Avoid Getting Scammed!

Find out if your investment professional or advisor is registered with the state or the SEC. Most fraudulent practices involve unregistered individuals. Regardless of your relationship with the advisor, always check their registration status. You can visit FINRA’s

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Sonoman Investments's Overall Performance

In the graph below you will find our overall performance from 2014-2016 period. This performance only reflects accounts operating for a full year.

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The Visa Challenge

Then, who gets granted a visa? There are many types of visas, H-1B, E-2, EB-5, L-1, O-1, and Student Entrepreneurs.

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The Federal Reserve Bank

The Federal Reserve Bank is not a governmental institution. It is privately owned, and it pays an annual dividend decreed by law of six percent annually to its stockholders. The officials of the bank are appointed by the bank’s board of directors, not the President. So, why is it so important? Why the epicenter?

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Bad News! I Lost All Of Your Money

The number one rule when investing is not entirely a high IQ but control of your emotions, especially fear.

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Pay Taxes Like A Millionaire

Capital Gains Tax: Every time you have a capital gain, they are taxed at two rates, all depending on how long you owned this asset for. The longer the asset is held, the less taxes you pay, but for how long is it held to pay less tax?

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Are you in the 22 percentage group?

Most Americans are so behind on retirement without realizing the damage done to their future. Saving trends are getting worse, even when companies have been pushing for retirement plans, such as 401(k). But what are Americans doing?

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Keep an eye out, this could be an investing opportunity!

In today's market, 500 points reflects a 3% change. (highest point $18,351- lowest $16,950). This is not an alarming number. In the words of West & Anthony, "Only the media should be concerned about 100-200 point moves in the market" and sometimes even more.

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“Don’t be the commuter who rejoices after the price of gas increases, simply because his tank contains a day’s supply."

It sounds easy but the strategy behind this is to buy back shares at a market rate below the company's intrinsic value (NOT market cap). If bought over intrinsic value, you might want to question management’s decisions when it comes to allocating capital.

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Meet Mr. Market

"Imagine that in some private business you own a small share that cost you $1,000. One of your partners, named Mr. Market, is very obliging indeed. Every day he tells you what he thinks your interest is worth and furthermore offers either to buy you out or to sell you an additional interest on that basis. Sometimes his idea of value appears plausible and justified by business developments and prospects as you know them. Often, on the other hand

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Black Gold! Why John Hess, CEO of HESS is wrong.

There is an interesting article by Charlie Munger on the subject of natural resources in the U.S., mainly U.S. oil, "Should we consume oil first or save it for last".

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Read this to see how earnings per share and your tax return can relate.

News headlines every day draw audiences to tune in for these results. Millions of investors draw conclusions from this, but why?

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What is wrong with a 401(k) Part-1

Long ago, the financial instrument we know today as a 401(k) did not exist. Companies opted out by offering pensions of managed large pools. These pensions demanded good money managers. The incentive was simple; you had a fiduciary duty to the clients. If the managers of the funds did not perform, they would lose the multi-million dollar account of those companies.

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What do most of us do with our tax return?

AFTER YOU FIND YOUR INCOME BRACKET: How are you doing percentage wise? This is important to know and calculate since it will guide you as to where your money is going. As Warren Buffett says, “Do not save what is left after spending, but spend what is left after saving.”

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Put Your Best And Only Eggs In One Basket

When recessions are set in motion, no matter how diverse your portfolio is, losses are imminent. Still, great investments will sustain themselves, and opportunities will open.

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Ever Wonder How To Value A Stock?

By calculating the net worth of a company at a certain point in time, you should be able to estimate, with a margin of error, the future cash flows that a business will have. These figures will structure the value of the business at hand. Again, you have to consider that your valuation cannot be certain but only a rough estimate; hence, in the words of Ben Graham, you need a margin of safety.

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Your money and risk

Much of what you have been taught has been incorrect; especially the notion and definition of risk in the business field. What do you think is risk? A higher risk level means higher reward and lower risk means lower reward?

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What is the stock market? Learn the basic principle in 5 mins!

The stock market or equity market is a multitude of transactions between buyers and sellers (such as you and me) of stocks/shares. Stocks may be publicly listed, like Coca-Cola Company or Apple on a stock exchange, or traded privately. But what are shares or stocks? As mentioned in the book of Jason Kelly, which I believe he explains in a terrific, clean and simple explanation:

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Sonoman Investments's performance 2014

Below is our performance since the inauguration of our portfolio, SI Portfolio on August 19th, 2014. SI stands for Sonoman Investments and has achieved a return of 5.55%

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Are you prepared for a decline in stock prices?

A bull market is a period of general rise in prices. Bear markets follow bull markets and vice-versa; defined as periods of decline in prices. A bear market is usually defined as a 20% decline or more from a previous peak.

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You can be a millionaire, too

If someone ever told you it is very hard to reach a million dollars, they were not reading this. You don't believe me? Here are the numbers: A recent study by the US Government Accountability Office reveals more than 630,000 IRAs with balances of over $1,000,000.

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What is behind the curtain?

Our system could not be SIMPLER. If you don't believe us, see for yourself: http://www.sonomaninvestments.com We pride our service in the phrase "we eat our own cooking". Your money will not go anywhere where ours is not going.

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A question I am often asked!!!

If we invest with you, where will the money be invested?

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This company has bigger sales than Ebay and Amazon combined, would you invest in it?

Let’s say you have $25 billion in your bank account, would you buy Alibaba just on this news, just because a bunch of brokers are promoting the sale? I don’t know about you, but I would not be willing to gamble $25 Billion on a business I don’t know generates enough cash for operations

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What do banks do with your money...

Money was not always used as the medium of exchange for any asset. It evolved after years of barter transactions (meaning, a physical exchange of one good for another). The problems arrived when some goods were harder to value, not easily accessible, divisible, counterfeited, etc.

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What would you choose $2,000,000 today or doubling your money daily for 30 days starting with 1 penny?

Now, you can consider this critical aspect when financial advisors and credit agencies among others, introduce you with financial instruments that carry interest rates.

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