Richard Stoyeck

Surviving an Airplane Crash, or Incident!

Most people when they think of surviving an airplane crash say to themselves, an airplane crash, you got to be kidding, it's death when an airplane crashes. Not so true, in fact, actually about 80% of all air plane crashes are not fatal at first. They win... Read >

Have An Overseas Bank Account? - IRS is Looking

These are not the days to have a non-disclosed overseas bank account. If you do have such an overseas bank account, you are in for mighty rough sailing. For decades, you could count on foreign banks and the Swiss keeping secret account from the prying eye... Read >

Is Real Estate Coming Back Now?

A mere glance at the leading financial papers in America would have you believe that real estate has bottomed, and is already on the ascent again. If you were to listen to the commentators or talking heads, they want you to believe that housing prices hav... Read >

Credit Cards - Congress helps the Consumer

In August of 2009, new rules went in effect for credit cards. It is important that you are aware of them. The recently elected Democratic Congress forced the banks to agree to and accept these new regulations. They are a watered down version of what was ... Read >

Economic Recession - Does history support Obama

Unfortunately, when it comes to economic recession, history becomes clouded based on your political beliefs. The question I wish to answer is whether or not economic recessions and their severity have been at all shortened by the intrusion of government i... Read >

Stock Research – Margin debt has always been for the SUICIDAL???

Millions of people use margin debt on a daily basis. Traditionally what this means is the following. You buy 1000 shares of IBM and let's say you pay a $100 per share. You owe the brokerage firm $100,000. This is the market value of your account if it is ... Read >

Does Made in China, now mean what Made in Japan use to mean!!!

Until recently Zheng Xiaou was head of the State Food and Drugs Administration for China. He was arrested in May, and charged with being responsible for the sale of six different medicines manufactured in China. These same six medicines were fakes. The sa... Read >

Stock Research – As Hedge Fund Industry & Private Equity gets Hotter – Heat is Building on them TOO!

Both the hedge fund and private equity industry had free rides during George Bush's Administration when the Congress was safely in Republican hands. All that changed in November 06 when the Democrats swept the Congress, and with the change in control came... Read >

Stock Research – Another Hedge Fund Warns- Basis Capital – This is just the Beginning!!!!

Wow, it's just starting and it's not going to stop. Basis Capital is an Australian hedge fund. They run about a billion dollars under management. What you have to keep in mind however is that hedge funds use LEVERAGE, big leverage. The average hedge fund ... Read >

National Intelligence Estimate – Al-Qaeda back stronger then ever – Who’s Kidding Who???

The Intelligence apparatus of the United States is required to publish what is referred to as the National Intelligence Estimate. It is a distillation of the major intelligence issues facing the United States as seen through the eyes of some 17 different ... Read >

Stock Research - Statin Drugs (Cholesterol Fighters) and New Side Effects Revealed?

More than 40 million people in the United States take Statin Drugs every day. The purpose is to lower your LDL (BAD) Cholesterol. Statin drugs along with penicillin, and aspirin, may well be the three greatest drugs ever developed. These cholesterol fight... Read >

Stock Investing – New Warren Buffett letter to Shareholders is a MODEL for the rest of us!!!!

Every year the master of stock investing, Warren Buffett takes the time to create a letter which usually runs about 20 plus pages in length. In the latest letter, he lays out for anyone to see, exactly why he is the premiere investor in the world today. W... Read >

Stock Investing – Subprime Lender “New Century” – Out of Control

They say the definition of insanity is doing the same thing over and over again, expecting a different result. It's hard to believe, but subprime lender New Century which is experiencing potential bankruptcy type problems from its subprime lending portfol... Read >

Stock Investing – General Motors, Ford asleep at the SWITCH – Now DaimlerChrysler hits the pillow to

Stock Investing has told us here at StocksAtBottom.com that it has been more than 25 years since Japan's automotive juggernaut served notice on Detroit that we are going to eat your automotive base for lunch. Each successive year since then, our domestic ... Read >

Stock Investing – Bank of America, Morgan Stanley, UBS, and Bear Stearns Swept up in latest INSIDER

In the biggest Insider Trader scandal in two decades, members of four prominent firms were implicated in the developing scandal. The firms included Bank of America (BAC.N), Morgan Stanley (MS.N), UBS (UBS.N), and Bear Stearns (BSC.N). To begin with, a lit... Read >