Making Money through Stock Photo Sites

Taking photos could be a hobby to you, but are you aware that there are ways that you could get paid for your digital photos? Yes it is possible and people willing to pay for your photos could be publishers, advertising agencies, and graphic artists to mention a few who are currently and increasingly using the services of stock photo sites.

This system revolves around what is called Stock Photography, and the way it works is that you submit your photos through sources that could be referred to as agents in this context. These agents then negotiate licensing fees on your behalf for the photos you have submitted to stock photo sites through them, and they will get a percentage of what you are paid or in some cases they might offer to buy your images outright. This system is on the increase because not only does it save cost in terms of hiring professional photographers, but also saves whoever requires the photo a lot of time.

There is no limit to how many photos you can submit, but there are certain requirements that your must photo must meet depending on the stock photo sites you are dealing with. The price that you are paid is not a one time fee in most cases but rather you are paid for every download of your photo, so you get paid each and every time any of your photo is downloaded. If you have 2000 photos and each one is downloaded one time you get paid 2000 times (an illustration) and so on.

So as long as you have a digital camera and an internet connection you can submit photographs to stock photo sites and get paid every time someone downloads any of your photos. So the more submissions you make, the more downloads you get and eventually more money. However, a personal tip from me would be for you to only submit what you would consider your best work at any given time. Another simple way to boost your revenue is by working with more than one stock photo site, as doing this puts your photos out where they get picked more easily by companies or individuals that make use of stock photo sites survives.

For more information on photo submission and stock photo sites visit: http://www.digicamcash.info

Reuters - The struggling U.S. economy probably continued to bleed jobs at a rapid rate in March, continuing to drive up the jobless rate at a startling pace.

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How to Add Shares to a Profitable Position

Say you have a stock in your portfolio that is up 30% and it forms a base or consolidates to a moving average, and you want to add to this position. How would you go about doing this?

There are a few ways that I have approached this situation. Some of you may agree and some of you may disagree with the way I pyramid or scale my positions when they are in confirmed up-trends after my original entry. When the market is weak and the NH-NL ratio is not confirming a bull market such as 2005 and 2006, I am cautious when I enter a position making a new high. Hypothetically speaking, I will use a $100,000 portfolio and round numbers to keep the examples simple although the CBG position explained in detail is based on a true position.

If I start to research a stock and feel it will travel from $60 to $100, I will determine the maximum position I can assume from a simple position sizing calculation. If I determine I can handle an 8% drop, I am allowed to purchase 208 shares at $60 per share (Ill typically round it off to 200 shares in this situation). My position size will be $12,500 with a maximum drawdown risk of $1,000 or 1% of my entire portfolio. My stop will be located at $55.20 or slightly beneath a specific support area that is within 8% of my purchase price. If the stock is breaking out of a specific pattern such as a cup with handle, I will buy half my position at the time of breakout and the other half after the trend is confirmed several days later.

If the stock is in a solid up-trend and not in a recognizable pattern, I will typically purchase 2/3rd of the position when I see the opportunity and then follow up with the remaining 1/3rd of the position at the time of the next pullback (only after the stock reaches a minimum gain of 25%).

Other times, when the market is acting healthy and the NH-NL ratio is strong, I will initiate the entire position based on my original 1% position sizing model and reassess the situation at a later date. Using a recent example, I added shares to CBG when it consolidated in the $40s and then readjusted my position sizing model to 1.5% (the math can become tricky at this point since the price has changed and my portfolio value is different). I have never gotten into this much detail in a simple blog post but I guess now is better than ever. This method is my own so you will not find it anywhere else and it may or may not appeal to everyone.

The following is a true example using actual stock prices but the portfolio size has been altered to keep the calculations simple and to keep my own activity discreet.

When I first purchased CBG, I took on the entire 1% portfolio risk and wasnt sure if I would ever add shares in the future (this wasnt my concern at the time). I liked the stock and thought the 15 week pattern that preceded my buy was picture perfect (especially since the correction was due after the prior up-trend from the IPO date). I placed a market order on June 1, 2005 at $38.97 for the entire risk amount of 1%. The stock was already under coverage on the MSW Index since May 21, 2005 at $37.20 but I was looking for a break above $39. I used the calculation of $39 which gave me the purchasing power of $12,500 or 321 shares (my order was filled for 320 shares at $38.97 = $12,470). After I placed the position, the stock immediately reversed but I stayed put as it didnt violate any sell signals and then watched as it quickly advanced into the $40 range and approached $50. The stock consolidated over the next three months as I held the position and started to cover it more heavily on the MSW Index with a new purchase price of $50. The resistance line was touched several times so I decided that I was going to add shares if the stock broke-out above $50 with confirming volume.

As it turns out, I did add shares when the stock started to form the obvious consolidation during the fall of 2005. I added shares on November 2, 2005 at $52.68 (a little higher than I wanted but it was an extremely powerful move that day). The stock hesitated slightly over the next several days but never violated the new support line of $50. Within six weeks the stock moved towards $60 per share and I felt very comfortable. So, how many shares did I buy and how did I determine the size of my additional position?
When pyramiding up, I have always been taught by my father to take on a smaller position than the original purchase. In this case, my portfolio had grown by about 10% since the summer so I decided that I could take on another 0.5% risk in CBG (a total risk of 1.5% - my maximum risk in any one stock caps at 2% of my entire portfolio). When running the new calculation, I had a portfolio size of $110,000 (hypothetical value) with a 1.5% risk factor or $1,650 risk on the entire position.

I used a price of $50 with a risk factor of 0.5% (half of 1%) with a stop of 8% (typical for my calculations) which gave me the purchasing power of $6,875 or 138 shares. I bought an additional 130 shares and added them to my original position of 320 shares for a total of 450 shares and a total cost of $19,318.80 (minus all fees, etc). Now, take a look at how this works (it doesnt work perfectly every time but this time I kept the numbers round): Using the position sizing calculator; plug in a portfolio value of $110,000, a risk of 1.5%, stop loss of 8% and an average cost basis of $45.83 (($38.97+$52.68)/2). What do you get? Amazing: a position size of $20,625 or 450 shares. I currently hold 450 shares with a dollar value slightly lower ($19,318.80) than the maximum calculation in this equation.

The support line is $50 but the stock went on to maintain the 50-day moving average as the true support line heading into 2006. I have not sold one share in this company as I approach one year of holding the stock from the original date of purchase. I will not base my sell on anything but my stop which currently resides slightly below the 50-day moving average. I have a tremendous gain in this stock and I owe it to two things: CANSLIM for finding the actual stock (strong earnings and a recognizable pattern setup) and position sizing for giving me the right amount of shares to purchase. By using the moving average and a retracement stop calculation, I know the exact location to take my profit. Also note that I will most likely scale out of the position if it starts to consolidate in a new range. This is a topic for another day! I always start with a 1% risk factor but will raise my risk factor to 1.5% or even 2% in rare situations when things are working out and I am placing good money after a profitable trade. Again, this is my own personal method so I advise that each individual use what works best for their own portfolio and test several scenarios.

Chris Perruna - http://www.marketstockwatch.com Market Talk with Piranha

Chris is the founder and president of MarketStockWatch.com, an internet community that teaches you how to invest your money with solid rules. We offer an extended no obligation monthly trial period starting immediately with two free weeks. We don't stop at just showing you our daily and weekly screens, we teach you how to make you own screens through education. Through our philosophy, you will be able to create your own methods and styles to become successful.

Reuters - Maurice "Hank" Greenberg, former CEO of American International Group Inc and creator of the AIG unit whose investments triggered the insurance giant's near collapse, portrayed himself as a victim in testimony before a congressional panel on Thursday.

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Stock Trading - Cashing in on Stock Insurance

Two of the fundamental necessities in our lives are the need for shelter and mobility, so there are two purchases that almost everyone makes - a car, and a home. Apart from them both requiring cash, they also both require that you protect these assets with insurance. In fact, in many places in the world, insurance coverage is required by law, especially in the case where the assets have been purchased using someone else's money, as in a mortgage of hire purchase agreement.

Just as you insure your assets, those individuals that purchase shares in a company's stock can insure their stock holdings against a drop in share price, or a complete collapse of the market.

The term given to this practice is hedging, or offsetting their potential stock gains. They pay out for insurance that guards again stock losses, just as we pay insurance to protect our home, car and other assets.

There is, however one really big difference. Your assets are insured by companies who are specialized in providing this service, generally large business companies, and stock insurance can be written by individual investors. You don't have to be a company, all you need to do is to get approved by a reputable discount brokerage.

Here is how you can write stock insurance for cash.

The first step is essential. You need to find a stock that you wouldn't mind owning, because that could be the end result.

Next, you simply "sell to open", or in other words write, a "put" contract on the chosen stock's option. The next thing that happens is that a premium, or cash, will immediately be placed into your brokerage account.

It is important to remember that one put option contract represents 100 shares in a company's stock.

For example, lets say that ABC stock is currently selling for $21.00 a share. Right now, cautious investors will pay $1.00 in insurance "premium" for every $20 put option contract.

This is so that they can insure themselves against losses should the stock drop during a predefined time period, in this example, we'll say one month. In reality, this time period can range from a few hours up to a few years.

You, as the writer of this "put" insurance, guarantee that you will buy those 100 shares if the stock falls below $20 anytime during this stipulated time frame.

If the stock closes above $20, at the end of the month, the contract expires. You can then just keep the $100 that was deposited into your account when you sold the "put". If the stock closes below the $20 threshhold, you agree to buy the 100 shares as per the contract.

Instead of just operating one contract, writing 12 "put" contracts would result in $1200 in premiums being paid to you in lieu of your obligation to buy 1200 shares of ABC company should they be assigned to you.

Although you may have to buy the shares if they fall below $20 during the month's timeframe, you can also close your position at anytime, if that is your wish.

For example, the stock price may rest at $20.50 halfway through the month. You can then "buy to close" and keep some of the $100 deposited premium as a straight cash profit.

Conversely, the stock price may be below $20, so in that case, the shares may be "put" to you, making you the new owner of 100 ABC shares.

Because, after your research, you knew about the company and liked its potential, and you had the cash to cover the share purchase, you don't mind owning the stock. Also, because you were paid $1.00 in premium per contract, your actual purchase price (before commissions) is $19.00, instead of $20.00.

Since you now own the shares, you might want to write "covered calls", that obligate you to sell your shares at a certain price, and again you would be paid a cash premium. But, that's another story and outside the scope of this article.

Making money by writing stock insurance is a little known strategy, although practiced by many of the most wealthiest people. To find out more information about this topic, visit my website: http://stockpickshot.com/blog

Reuters - A Delaware judge rejected Bank of America Corp's effort to settle a shareholder lawsuit over its 2008 purchase of mortgage lender Countrywide Financial Corp, saying the settlement would wrongly scuttle potential fraud claims.

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