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Main Topic |
TICN Features |
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Happy New Year from all at Ticn!
Wishing all our members and friends a Prosperous New Year in 2009, hope you all had an ecstatic Christmas.
Market Review
Over the past two months the market has moved through a downtrend and into a sideways pattern.
Throughout the month of November 2008 the market continued its down ward march. Each of the three indexes, which are typically monitored by investors stayed in a distinct down trend pattern. The driver of this continued movement to the downside was the continuous stream of negative economic data emanating not only from the United States but also from around the world.
The market examined all data, regardless of its source, in an attempt to obtain an insight into the state of the US economy and seeking an answer to the question of whether or not there is any indication that the decline in the economy is coming to an end?
The figures for GDP are being watched intently to see if they are saying that there is an end to the slump. Unfortunately throughout the month of November, there was nothing to indicate that the decline in the economy was ending in any way. If the focus then moved to examine consumer spending, consumer sentiment, export figures, employment numbers or payroll figures, orders by purchasing managers or simply the key numbers for inflation, the picture remained exactly the same. Although each of these individual figures simply give a view into one aspect of the state of the overall economy in the USA none of them provided any compelling good news.
During November there was also the sense of uncertainty amongst analysts about the accuracy of earnings estimates being projected by the management of firms as analysts fear that the state of the economy will prevent companies meeting their targets.
During the month of November the market broke the lows of October and reached new lows to continue its downward trend. However, this downward march has been orderly and continuous, fitting into the definition of a downtrend with lower lows and lower highs.
Since the low of 7449, which was hit on November 20th 2008 the market has recovered and has spent the past month going into a sideways pattern. At the end of the month the market rallied continually from November 21st right through to November 28th, which was the Friday of Thanksgiving week. The change in direction in the market came from the leaking of the announcement that President elect Obama had picked the New York Federal Reserve president Timothy Geithner as his nominee for Treasury Secretary. This news was confirmed on the following Monday when the economic team was formally announced. The market rallied for 5 consecutive sessions ending up by 1380 points a rise of 9.7% in the week.
There has been no change in the fundamentals to do with the American economy. That was confirmed on the first Monday in December when it was reported that the USA economy has actually been in recession since December 2007. This was announced by the National Bureau of Economic Research, which monitors more than just the change in GDP. They put a greater emphasis on employment figures and they identified December 2007 as the peak for employment numbers, which have been falling since then. As if to confirm the challenges facing the economy the Fed announced on Tuesday December 16th that they were cutting interest rates to the historical lows of between 0 and 0.25%. Despite it all the market has continued to move sideways rather than downward, rolling between 8000 and 9000 approximately.
The volatility in the market, which we have seen since September, continued in November and December with big up days being followed by equally big down days. This was most clearly illustrated at both the start and the end of November. In anticipation of the election victory of Barack Obama on Tuesday November 4th, the market rallied up into the close by 3% or a rise of over 300 points on Election Day alone. The following day, Wednesday November 5th the market reversed direction to close down by over 5% or 500 points in that one day alone. Then at the end of the month on November 20th the market fell 5.5% to be followed by a reverse of 6.5% with the leaking of that news of the composition of Obama’s economic team.
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"The Elite Investor Program" |
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"Members Testimonials" |
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Listen & See our "Moneytalks
Presentation" |
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All our modules have
been approved by the
ACCA and CPA
accountancy bodies for
CPD/CPE credits.
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| Members who
complete our weekend
MMCP course will accumulate 20
CPD/CPE credits. |
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TICN Clubs
Beat The
Market Consistently |
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TICN in press |
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ADVANCE NOTICES FOR 2009
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Support Night
On Thursday January 15th 2009, Ticn will be hosting the first of its support nights for the year 2009 in the Glenroyal Hotel. This will be an opportunity for our members to hear all about the new developments within Ticn. Not only will there be a presentation on the new 4 x 4 fund but also there will be a presentation on the increasingly popular Harvest Investor approach to investing.
As usual the night will begin at 19.30 with an introduction to the work of Ticn for new people interested in becoming involved with Ticn to be followed at 20.30 with the support night for existing member |
Galway MMCP
The first MMCP of the year 2009 will be held in Galway on the week-end of January 23rd. – 25th. It will be held in the Galway Bay Hotel. |
Advanced Trading seminar
Darlene Nelson was one of the popular speakers who appeared at our recent international seminar in Belgium. Darlene will be appearing exclusively in her own right at a seminar in the Glenroyal Hotel, Maynooth on April 24th to 26th. 2009. She will be teaching people how to trade the QQQQs which track the performance of the Nasdaq and how to trade using Leaps to leverage part of one’s portfolio. |
The event is limited to the first 50 people who book, so early booking is advisable.
To register for all courses and events contact 1800 367 693 or www.ticnireland.ie or call Robbie Hughes on 086 198 9518 or email at robbie.hughes@ticnireland.ie
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TICN stocks
The Dow declined by 34% over the course of the year. However, 12 of the Ticn stocks increased in value over the same period including, DLTR +72%, HRB +17%, BJ + 16%, TSCO +7%, FRED +6%. Another 36 fell by less than the fall in the market as measured by the Dow
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-- CLICK HERE TO VIEW FULL SIZE GRAPH --
After all the volatility, the Dow ended on the third Friday of December at 8579. a drop of 34% on the year to date. The S+ P 500 closed down almost 39% at 887 while the Nasdaq closed at 1564 a decline of 40% on the year to date.
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| TICN Members Support Webshop |
Testimonials |
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We have developed a series of Support and Educational Webshops that will save members both time and money.
These are live interactive sessions that you can receive from your home or office. |
| "The TICN organisation
is both professional and innovative with a
unique education
concept to successfully
investing in
shares. I highly
recommend their
seminars and support
as part of the ACCA
CPD credits process. As a full-time
accountant I
find the education and
support I have
received through TICN
very beneficial both
professionally and
privately in relation to
investing in the stock markets". |
| Gerry Quinn - Accountant,
Chairman Starchasers Investment Club
Sligo. |
| "I attended the TICN
MMCP Investment
seminar and have
made more money in
the last 5 months than
I have in my previous
5 years experience just
applying what was
taught to me by TICN." |
John Moylan,
Moylan Financial Services
Tipperary. |
| In my first year of
trading I made 62%
profit using the TICN
strategies and I expect
to do better in the
coming year due to the
advanced courses done
with TICN. I can now
make more money in
the market than I ever
could as a PAYE
worker." |
Pat Lynch,
Cork. |
| "After completing
the MMCP in April,
and paper trading in
May, I started with
$5,000 in June and
by December I had
turned my
investment into
$10,000 using the
TICN strategies as
taught to me at the
MMCP seminar." |
| Ian McKibbon,
Lisburn. |
| I really do believe
you have a great
organization - good
people, very
focused, very
straight forward and
democratic. I'm 50
this year and I can
honestly say its the
best decision I ever
made to get myself
educated in
investing... I should
have done it years
ago." |
John Daly,
Journalist - Cork |
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Our Support Webshops provide excellent explanations and examples all in a flexible & dynamic format that will truly meet your needs. And best of all you can attend for FREE!!
The increasingly popular Harvest Investor web shop held on a Tuesday evening at 8.00 p.m. increases the number of web shops available to members on a weekly basis. Like all web shops this can be heard on playback for up to 48 hours, provided that members register for the web shop before it starts. Such long access provides members with un-rivalled support in their trading and investing activities.
This web shop concentrates on analyzing the fundamentals of a stock and complements the material covered in the ever-popular Sunday and Wednesday evening web shops. |
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| January 2009 Events |
Did you Know? |
Galway MMCP
The first MMCP of the year 2009 will be held in Galway on the week-end of January 23rd. – 25th. It will be held in the Galway Bay Hotel.
Advanced Trading seminar
Darlene Nelson was one of the popular speakers who appeared at our recent international seminar in Belgium. Darlene will be appearing exclusively in her own right at a seminar in the Glenroyal Hotel, Maynooth on April 24th to 26th. 2009. She will be teaching people how to trade the QQQQs which track the performance of the Nasdaq and how to trade using Leaps to leverage part of one’s portfolio.
The event is limited to the first 50 people who book, so early booking is advisable.
To register for all courses and events contact 1800 367 693 or www.ticnireland.ie or call Robbie Hughes on 086 198 9518 or email at robbie.hughes@ticnireland.ie
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TICN provides FREE
webshops for people
who wish to learn more about TICN,
investment clubs
and the
Stockmarket!
TICN are currently
forming investment
clubs Nationwide.
TICN members can
complete the remaining
8 modules of the 'Elite
Investor' program with
a saving of 40% off
retail prices.
TICN Members can
repeat all training
modules for a NOMINAL
admin/facilities fee!!
We Provide a 100%
Moneyback guarantee
on MMCP seminars.
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| TICN Ireland - www.ticnireland.ie |
What we Do!
We teach people &
business how to
invest in shares
successfully.
How do we do that?
We educate members
through our seminars
and support them
through our
investment clubs
using the latest
communication
technology.
We teach people & businesses
how to:
1. Identify safe &
solid companies with
strong growth
prospects.
2. Choose the right
time to buy and more
importantly the right
time to sell.
3. Use proven
Strategies to
generate a monthly
income.
4. Invest directly
on-line with the
markets, saving time
& money efficiently.
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Education Centre -Tax Efficient 4 x 4 fund |
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As highlighted elsewhere in the newsletter, TICN is pleased to announce that the Ticn 4 x 4 fund is now being launched. This concept has been developed in conjunction with the Independent Trustee Company (ITC) Ltd., a highly respected firm established in 1993 to provide a complete set- up and administration service for Pension Trusts, also known as self- administered pension schemes.
ITC is a Revenue Approved Trustee for this purpose. The company constructs and administers the Trust structure involved in these pension products.
The Ticn 4 x 4 fund is a Small Self Administered Scheme (SSAS). A SSAS is known by a variety of names including Self-Administered Pension (SAP) and Self-Directed Trust. A SSAS is a tax efficient pension scheme that gives the holder both control and choice. It is suitable for both controlling directors and senior employees in companies, allowing the holder to enjoy the greatest level of control over the type and direction of their investments.
An SSAS also offers the greatest level of flexibility in respect of contributions. Unlike many pension arrangements offered by insurance companies there are no obligations to make regular contributions to a SSAS nor are there any penalties imposed if further contributions are not made.
Choice of investments
Each individual who decides to create a TICN 4 x 4 SSAS fund, will be creating a tax-free investment bubble for their pension. Within this bubble the holder will have great flexibility with regard to the range of investments being made and the level of contributions being put into the bubble, subject of course to the maximum levels permitted by the Revenue Commissioners. Some of the possible investments, which can be chosen in the SSAS include, individual properties, land, cash deposits, equities and a variety of other investments including commodities such as gold. As can be seen, the SSAS is not like the traditional pension as it offers great control and flexibility over the selection of investments involved.
Tax benefits
There are significant tax benefits to creating an SSAS. Contributions into the SSAS can enjoy relief from Income Tax and Corporation Tax. Even bonuses earned can be diverted into the SSAS without incurring income tax. This means that it is income before taxes that are being invested into the trust. These contributions are not even classified as Benefit in Kind for proprietary directors and so are not liable for tax.
Income earned in the trust and gains made within it are free from Capital Gains tax. Not even DIRT is paid on cash deposits held in the SSAS. This means that the SSAS is a highly tax-efficient way of investing money in that pre-tax income is going into the fund and the fund itself is able to grow without money being withdrawn to pay for taxes. Therefore the magic of compounding can work with a bigger amount of money invested.
Finally up to 25% of the entire SSAS can be taken by the investor as tax-free cash on the retirement of the investor.
Flexible contributions
Contributions, when and how much, can fit around the cash flow of the investor (and/or the company who may be making the contributions on his behalf) and there is complete flexibility (subject to Revenue limits) over the amount. This could mean that in a bad year no contributions need to be made, while in a good year contributions up to the maximum limits could be made.
From business to personal capital
An SSAS is an efficient way to transfer company profits into personal capital. All funds are held in trust for the investor. Once invested in the scheme they no longer form part of the assets of the company. Rather do they belong to the investor on whose behalf they are being invested. In addition, the assets in the fund are held in the trust for the individual investor. They are fully protected in the event of the business of the trust provider failing. Neither creditors nor any third parties will be able to gain access to any of the assets held in the trust for the investor. This gives an immense degree of security and peace of mind to the investor.
The operation of the fund
The Ticn 4 x 4 fund will follow the TICN four step system as follows:
1. Invest in rock solid quality companies.
2. At the optimum price.
3. Generate a consistent monthly income.
4. Protect both initial capital and profit.
The 4 x 4 fund will focus on and invest in 4 x 4 companies that have the following characteristics:
1. A Debt to Market Capitalisation ratio of less than 10%.
2. Net Profit Margin which exceed 10% and generate more than $50,000 net profit per employee.
3. PE ratios which are less than 20 and EPS of more than $1 per share.
4. Dollar strikes and penny spreads on income generating options.
5. Long term Insurance Policies that cost less than 7%.
6. Profitable CPR trades.
7. Highly liquid options with stock volatility scores of more than 50%.
The four steps that will be used in executing the trades are:
1. The shares will be invested in initially
2. Long-term protection will be bought through buying insurance immediately.
3. A monthly income will be constantly generated.
4. When suitable trends emerge the income from the fund will be turbo charged with CPR.
Fees
There will be an annual fee of 0.75% or a minimum of €900. Then in addition there will success fees, which will depend on the performance of the fund. These are designed to create a win/ win situation for everybody involved.
If the fund grows by less than 10% then there will be no success fee taken from the fund. If there should be a growth of between 10 and 20% pa there will be a success fee of 20% payable on that second 10% gain. Should the fund grow between 20 and 30% there will be a success fee of 30% of that third 10%. If the fund earns more than 50% p.a. there will be a maximum success fee of 50% of that last percentage growth in the fund.
For example a €100,000 fund that grows by 5% will have no success fee incurred but will incur the annual 0.75% charge subject to a minimum of €900. Should that same fund grow by 40% then the gain will split 35.1% to the investor and 14.1% to the fund manager. Therefore the better the performance of the fund manager the greater the level of reward to both the fund manager and the investor. The worse the performance of the fund, both the fund manager and the investor will get a lower return. This makes the 4 x 4 fund almost unique, as the performance of the fund will determine the level of reward to be paid to the fund manager. The fund manager does not automatically take a share out of the fund regardless of the level of his performance.
Setting up the SSAS
There will be an initial cost of €3995 plus VAT incurred in setting up and getting approval for the SSAS. This fee will be billed to the employer company. Only those people who have done the TICN course called Making Money with Careful Planning (MMCP) can participate in the fund. This is in keeping with the TICN philosophy of empowering individuals to become abundantly wealthy.
Managing their funds
While the 4 x 4 fund is being set up as fund product into which individuals can invest through the means of an SSAS, there is nothing to stop individuals who have been educated in the Ticn system, investing and managing their own SSAS fund. They can follow the principles of investment, which they have been taught. They may also choose to split their money within their SSAS. They may manage some of the money themselves and invest more of it into the 4 x 4 fund. If they wish to monitor the performance of the 4 x 4 fund, the figures will be up dated each day on the online reporting system.
If investors wish to withdraw their money from the fund they simply transfer their money out of the fund.
Web shop link
A web shop giving a 15-minute explanation of the concept has been developed and is available by using the following link http://tinyurl.com/5lolw4
Getting started
Those who wish to get started should contact the person named here to look for a starter-pack, which will provide them with all necessary information.
Please contact Marie Fitzpatrick on
Email: marie.fitzpatrick@itcgroup.ie or
01 603 5131 or Mobile: 086 857 8724
Bespoke Savings & Investments
Harmony Court, Harmony Row
Dublin 2, Ireland
Tel: +353 1 603 5131
Fax: +353 1 642 4830
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