Life Term Strategies

1. Huge Gains in Long Term
- Receive significant capital gains
- by investing in corporations
- (with wide economic moat & average peers’ net margin)
- In very very long term

2. Strong Periodic Cash Flow
- Maintain self-sufficient monthly cash flow
- Through dividend, gains on derivative & short term trading
- For re-investment to item # 1 mentioned above

3. Mind for Risk Management
- Ensure strong cash position
- Maintain low risk by continue monitor, analyze & feel:
economic trend & environment,
market condition & investors emotion
corporate performance & outlook
asset allocation & direction

4. Be a holy Christian investor:
- Invest in wisdom & varies ways, but consistent & not over nor under of what the Holy Bible expects a Jesus follower should be
- Keep regular & long term spiritual growth
Continue experience God @ finance market
Aim for life transform opportunities
- Even though it may not teach Billy & Bilibala what stocks to invest nor how to make more, more & more $

10.02.2009

TD Bank says it will refund fees from glitch

CHERRY HILL, N.J. — TD Bank says it will reimburse customers who incur fees because of computer problems that have delayed transaction postings all week.

The bank, based in Cherry Hill and Portland, Me., says the problem came about as it tries to integrate the computer systems of the old TD Banknorth and Commerce Bank.

The problem means direct deposits are not showing up immediately — and that could cause some people to be short of funds.

On the bank's Web site, it says it will not charge customers any fees because of the problem and that it will reimburse them for fees charged by other banks.

Toronto-based TD Bank Financial Group, TD Bank's parent company, bought New Jersey-based Commerce Bancorp for $8.5 billion last year.

=> this kind of issues happen all the time, as long as the corporation admit the errors and response it quick enough, it is fine.
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