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Micky Gramlin
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Micky Gramlin   My Press Releases

When The Power Of One Is Not Enough

Published on 1/21/2019
For additional information  Click Here


Image result for National Association of Investors Corporation - BetterInvesting


This is not a review of the N.A.I.C. This is written based on personal experience from the early 1990's while a member of a Stock Investment Club. I do not represent the N.A.I.C. in any way, nor am I a financial advisor. Always get professional advice before investing your monies 


When it comes to investing sometimes the power of one is just not enough. Or maybe you begin with the best of intentions to start investing and like a new year resolution it just fades away.

Perhaps your finances only allow you a small amount to put back and you can’t get the needed leverage or you just aren’t sure how to even begin. Worse, you are convinced that you can’t do it. If you need leverage or guidance …


Have you thought about an investment club of some sort?

There are stock investment clubs, real estate groups, loans, funding

and probably more


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This is how I got started with investing. In the early 90s a group of us got together and formed a stock investment club that was modeled after the “Beardstown Ladies”.


Now we had the power of ten and even more importantly … leverage.


None of us knew a thing about stocks but we all knew how to read and learn and we expected mistakes and some loss. The goal was to try to keep those losses at a minimum, make a little bit of money and learn as much as possible..

With the help of an organization, N.A.I.C. and the book, “Beardstown Ladies” we began our education of the stock market. Stock Investment Clubs are not regulated by the SEC, but anyone paid by the club for advice or a service must be registered with the SEC.


Image result for STOCK STUDY TOOLS


Amongst us we had a legal contract drawn up.


As a member, my responsibility was to do a stock analysis of stock we voted on to possibly buy. If the stock passed my stock study, there would be a vote. (I recommend two members do this) Again, I knew nothing about investing in stock so the club paid for my class, through the N.A.I.C., to learn how to do the analysis on a stock before buying  


This was before online courses and software.


When doing a stock study, the first on my list was a trip to the library to get the required information needed for the Stock Study. Next step was to look at and grade the management of the company ten years back. Then do a 10 year projection on the management of the company.

What followed was a actual study of the stock. It's history, highs and lows, many details and a look at the company as whole.

Hand draw all of my information with graphs and notes and then an extensive detailed conclusion on my yes or no. A presentation to the club and prepare for a Q & A session.

There would be a motion put forth to vote on the purchase of it if a question did not require further study. I did appreciate copy machines because every member got a copy of my study. And all members had some sort of a position in the club that required one’s investment  of their time

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Example only 


Remembering back to our first vote on buying stock, we voted to buy Qualcom just because we all felt lucky. It ended up being our most profitable stock ever with many splits.

We only had two losses ... in steel and in a copper mine. Wendy’s stayed steady. Coca Cola also stayed steady. Starbucks and Dollar General, moderate increases. The rest were  sometimes a wild ride but we hung on and stayed the course...

After five years we disbanded the club due to the majority of the club  reaching retirement age. All happy we came out plus on our investments and a good understanding of the stock market and stocks.

You can also join N.A.I.C. as an individual for less than $10 a month. There is a 30 day trial period. If you want to learn about stocks and the market then this is the place to be. It is money and time well worth investing.


National Association of Investors Corporation - BetterInvesting

Non-profit organization

The National Association of Investors Corporation, also known as BetterInvesting, is a Michigan-based 501 non-profit organization whose aim is to teach individuals how to become successful long-term investors. Wikipedia

Founded: 1951

Headquarters: Madison Heights, MI

Subsidiary: ICLUBcentral Inc.


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Micky Gramlin







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