Dwelling over spilled milk is futile. It doesn’t get you anywhere. While I always hate “losing” (and am never the best loser), I quickly reminded myself to take the news in stride and refocus my attention/energy at the tasks at hand. It’s not the end of the road and our pursuit doesn’t stop there. And there was positives that came from this process - besides meeting a handful of talented/bright folks in the industry, I saw a few holes in our project that will need to be figured out and patched up. And that’s what I’ll have to work on.

The hill is a bit steeper now. Mentally, it’s tougher. No one said it was easy.

Here’s a quote that sums up today for me: I am not discouraged, because every wrong attempt discarded is another step forward. - Thomas Edisonfree naked celebrities
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I made a few modifications to the snapshot so I don’t have to disclose how little money I’m loaning. I’m making an average of 13.1% interest on my loans with one late payment. (Although, I checked today and it looks like that late payment is on its way.) Not bad at all! Considering the fact that this same time, the Dow has fallen 3.83% and without any certainity about a favorable rally is coming soon.

Let’s see how it will do this month, though. I’m hoping I won’t have too many missed payments or else that will make me reconsider the next time I want add some more funds to the account.

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Yahoo is supposed to launch “TechTicker,” their finance video website today. Not too surprising however, they have pushed back the launch date. Regardless, I’ll be eager to check it out. And have you checked out all the news going on surrounding finance sites? Here’s a mini recap:

• Rupert Murdock (News Corp.) buys out Dow Jones and looking to turn the Wall St. Journal to a ad-supported mode (no subscription wall!)
• AOL Finance launches redesign in beta in November when they were the third largest money and finance site.
• AOL Finance overtake Yahoo Finance as the largest money and finance site in December according to comScore’s data (does help to have blog sites like Blogging Stocks)
• CNN Money launches redesign focusing less on graphs and more on video, today.

That’s of course the previous news in the finance space:

• Google Finance (beta) launched nearly two years ago, but no one uses it. Spurs all competitors to improve their charts. (Interactive Flash Charts!)
• TheStreet.com (NASDAQ: TSCM) purchases 49% of startup Stockpickr (launched in mid 2006) in January 2007.
• TheStreet.com (NASDAQ: TSCM) purchases the rest (51%) of Stockpickr in April 2007.
• SocialPicks gets $500K from Bay Partners in angel round investment.
• SocialPicks teams up with Reuters to create new social site for them (essentially their site with a Reuter’s logo.)

What does this all mean? I hope to prove my assumption to be correct — there are still plenty of opportunity in the finance space on the web. There’s a need to improve the way we see, manage, and stay knowledgable about our investments/finance.

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Personal Finance
Personal Finance is an important vertical as 61% of the Internet users use the internet to research stocks or check their bank accounts and around 73% of the Internet users’ research sources for investments, mortgages and insurance, online. eMarketer expects the financial services sector to increase its online ad spending by 33.3% in 2007 to $2.4 billion and reach $3.52 billion by 2010, which makes the sector one of the largest advertisers online, and thus validates News Corp’s entry into the space through the acquisition of Dow Jones. News Corp. will go well beyond Personal Finance, and with this acquisition, will become the top player in the Business and Finance segment overall, if they play their cards right.

I figured Guy Kawasaki’s book, Art of the Start would be a good book for me to reference as we move forward with our internal gig. While many has praised this book, some have stood strongly against it, stating it’s a book without much depth and that Guy hasn’t really gotten much experience “starting up a company” while basically living on his former fame of being an Apple evangelist back in the 80s. They point to Guy’s latest startup to prove that only through his popularity and his venture firm for the reasons that Truemors has caught the public’s attention, not because it is a brilliant idea. Despite the negative comments from the community, one clear fact is still: Guy’s popular, successful, and very influential in the technology/entrepreneurship world. And because of that, I feel his common sense approach in writing this book to help aspiring entrepreneurs start a company will be worth read.

As for Christopher Browne’s The Little Book to Value Investing, I’ve read Jim Cramer’s books and follow his teachings as a growth investor for quite some time now. With Mr. Browne’s book, I wanted to understand the flip side investing: value investing. What is value investing you ask? The concept Mr. Browne simplified it to be: “Buy steaks when their on sale” or “Buying a dollar for 66 cents.” And the biggest and most successful investor uses this type of investing methodology? The one and only, Warren Buffet.

Through this past week, the internet disruptions (it was down for two days — approx. 35 hours) and the holiday weekday, I was able to do plenty of reading. I was able to complete Mr. Browne’s book in two and half days (for some, that’s slow, but when you’re trying to take in all the tips and advice, it takes a while for me to soak it up). Some pointers?

1. Buy a dollar for 66 cents.
2. Insider activity is a good indicator for the health and direction of the company.
3. Technical analysis is great at telling investors about past performance, not future (Different from Mr. Jeffrey Won’s take, a senior VP at Morgan Stanley in Sacramento where he charts often and weighs Technical Analysis to be 60% of his investment decisions).
4. Value investing has way less volatility than growth investing.
5. Historically, value investing beats all investment vehicles and methodology.
6. Pay attention to the basic principle of buying below intrinsic value with a margin of safety and exercising patience.

The book gave insight to how a value investor thinks and strategies (it helps that Mr. Browne has a tremendous track record as well.) The debate about growth vs. value investing can go on forever, but one fact that shouldn’t be lost is that “homework” needs to be done on both the company, competitors, and the economy. Without it, you’re practically playing Baccarat in Vegas. Doing your homework: understanding the fundamentals and health of a company, understanding the revenue growths, the bull markets, etc. are all that helps you get an edge on making the right decisions.

I look forward to reading the next investing book I have: John Bogle’s The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns. A very short, simple, and highly rated book. On the mean time, I figured I’ll continue my read of Entrepreneurship by HBR that I borrowed from my friend’s family two weekends ago.

I’ve learned what it’s like to invest in stocks through simulated stock market competitions. From there, I then took the next big step — I took some money and invested in a portfolio for myself, testing my strategies and analysis. Since seven months ago, I started monitoring both my trading account and my sister’s Roth IRA account. She asked me to be in charge of her account to better my investment knowledge. We both have our accounts with Scottrade — seemingly a popular choice among small amount investors.

As with most people, I was attracted to Scottrade’s low fees ($7 a trade for both market and limit orders and $7 + $1.25 per contract for Option orders) and it’s stated reliability and satisfaction. And so far, Scottrade has delivered on the reasons why I opened my account with them:

1 - Low fees;
2 - Reliable platform (I don’t get too many down times); or,
3 - Gets me some basic information.

However, only after being an account holder with them for six months did I find some useful, albeit hidden, tools within their research section of the site. Primarily, I usually find myself on Yahoo! Finance, Google Finance, or even TheStreet.com to get the necessary information I need. Even with those sites, there are some limitations (delayed stock tickers for one). However, it still does a good job. It gets me more relevant information faster and with less hassle than Scottrade can.

With that said, I still like liked Scottrade. It did it’s job. The aforementioned sites compliments Scottrade as it gives me the data I need more efficiently (got to love the web) and Firefox does a great job in allowing me to navigate from tab to tab without much hassle (great for viewing multiple stocks). Well, I liked until… a week and a half.

As I mentioned above, during market hours, from time to time, I monitor both my portfolio and my sister’s. It’s a bit of a hassle since I have only one browser (Firefox). So typically, I log into one and I’ll log out to check the other account. On this particular day, the bears were all over the market bringing many stock prices down and I had some cash on hand that I wanted to invest in a company that had just fallen to my price point. I hurried and logged out of my sister’s account and into mine. You see, she specifically too me some of her constraints she wanted me to work with for her portfolio. I was fine with that as every person should have their own level of risk that they would want to take.

So I get back into my account and I place my order — Trade > Buy/Sell > Shares > Symbol > Order Type > Duration. So I go through that routine. Place order… confirm. “Bam! Got my shares at the price I want!” I said to myself. Only if it were that simple — so to my surprise, it got purchased alright… to my sister’s account! “How could that be?!” I said to myself…

And with a little digging around and then bouncing the problem off the programmers in the office, problem found: Scottrade account login process stores the account information into cookies. because of this, as it happened with me, even though I clicked to log out, it may still recognize the stored cookie on the computer and redirecting me back into that account. I find this a big security glitch. For a big company like Scottrade where many users use their system, they cannot afford such a glitch. Nonetheless, I didn’t let it bother me too much.

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Later that day I decided to be a good customer and called into their customer service number. When I got a hold of the technical support, I explained to him my problem and mentioned specifically want the problem was. His answer?

Rep #1: “Oh, we know it does that. What you have to do is to go into your internet browser settings and delete the cookies.”
Me: “Are you serious? Do you think the average person will know how to do this?”
Rep #1: “Well, that’s what you have to do.”
Me: “Well, that’s fine with me. Like I said, I’m okay with the situation. I just wanted to bring it to your guys’ attention. Out of curiosity, are you looking into fixing the problem because that could be a pretty big issue.”
Rep #1: “Oh…[pause] yeah, the guys are working on it.”

I didn’t get any sense of genuineness from the representative that they are indeed working on it. I was shocked and disappointed. But, hopefully my story will prevent this situation from harming other investors as well.

It’s unfortunate that Scottrade treated me like that. In a business where their 100% on their reliability in their platform/security and their customer service, Scottrade failed at both.

And for the readers here, one more question: Why is it that most people do their stock/market research on a separate site than the one they actually trade on?

Updated: I haven’t gotten around to writing my personal write-up on this event yet; I’ve just been swamped. But, I did write about this event from my team’s prospective that I posted on my team’s blog here.

In the mean time, here are the notes that Jeff Clavier posted in his presentation on Startup Financing 101. Yes, very routine, but nonetheless, important to every startup.

• Be your own boss and making your own schedule.

• Being creative and learning about all business aspects.

• Make lots of money for a breakthrough product.

All probably very true, but extremely vague and probably sugarcoat the effort that is needed to succeed. So what was Mr. Lenet’s powerpoint presentation about? He said entrepreneurs are heroes and he backed that up by having a 30 minute presentation showcasing some of the most beloved superheroes that we all know and love from our youth and how they represent the typical aspiring entrepreneur. But, why? He mentioned that it is because the risks involved starting from scratch, the sleepless nights, the discipline with no set structure, the headaches and fear of the unknown, and the ability to rise above all that create something that would make the world a better place. Yeah, he basically listed all the reasons on why not to start a start-up. Of course, he followed up by giving his points on why to start a start-up. Here were some points I remembered:

• Solve a problem; make this world a better place. (And if you don’t start with that, you won’t get anywhere.)

• Know your product. Understand the value proposition.

• Long hours of work working on your project. Love what you do and it won’t be work.

• The passion, pride, and love in creating.

• The opportunities/jobs that you would create for others.

• And above all, empowering society and challenging the status quo.

It’s been almost nine months since Mr. Lenet gave that speech, but his speech keeps me pushing forward. I’m a firm believer to wanting to create and empower society through my work and actions on my way to finding success. There’s a lot of inefficiencies in this world that allow for great ideas to mature and small groups to rise from the pack. People like Mr. Lenet (or Guy Kawasaki among others) has climbed above the ranks wear titles like “managing director”, “board member”, and “venture capitalist”. While others may think of these people with lots of brain and money and are there to make more money, I am appreciating the knowledge and contribution they make to society.

Sure, one can proclaim there’s a selfish motive behind their talks, blogs, books, and self promotion, but really, who isn’t? We are, naturally at heart, egoistic bastards that want to be successful, have fun, and live life to its fullest and whenever it fits in our schedule, we’ll throw a few dollars and a few hours towards some community service or some non-profit. I admire them greatly not for their success or their wealth, but their knowledge and using that to empower our society to grow. They continuously reach out. In the world that we live in where building bridges are far more worthwhile than walls and where open source is the de facto standard and proprietary software isn’t so much so, the power of knowledge, guidance, and personal touch is empowering to those that are trying to make it — and this is what those leaders have taught me.

When you get a chance, take a glance at my links to the side; there are some great folks that spread their knowledge to empower people like to me. And what would I do? That’s to be determined. I know that when that time comes, I want to give back just the same. But even now, I’ll start with small steps. One example would be this, micro lending and another would be doing what I have already been doing for quite a while — helping the students members in my organization with their development, advice, interview and resume prep, and ultimately, empowering them. I have a long way to go before reaching some of my goals, but if I could give some “small gifts” along my journey, I don’t mind. Not one bit. That’s the least I can do for all the information and learning that I’ve picked up — empower society.