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Centre Region Model Investment Club of the Central PA Chapter of BetterInvesting

The Centre Region Model Investment Club (CRMIC) meets on the second Monday of each month  (See Meeting Schedule ). The meetings are held at South Hills School of Business and Technology at 480 Waupelani Drive in State College, PA, from 6:30-8:30 p.m.  Free parking is available.

CRMIC is comprised of individuals who come together for monthly meetings to learn and practice sound investing principles. The meetings are open to anyone who wants to learn more about investing, observe an interactive educational model investment club, analyze companies, and manage a stock portfolio.  For more information about the Club's purpose, see CRMIC’s mission statement.

The Club follows and practices the BetterInvesting (BI) philosophy of investing. Information about BetterInvesting is available at  http://www.BetterInvesting.org. 

CRMIC is sponsored by the Central PA Chapter of BetterInvesting. Click here to review the chapter's latest newsletter.

A Welcome Letter from the President of CRMIC explaining what is expected from a partner can be downloaded here.

Click here for the History and Purpose of CRMIC and for Information about Joining CRMIC.

A guest is eligible to apply for membership into CRMIC after visiting the club for two meetings. Before applying for membership, read "Things to Do before Joining the Centre Region model Investment Club (CRMIC)"For more information about CRMIC, you may contact a representative at cr20mic@aol.com or phone 814-234-8775.  

Another website of interest is  http://www.iclub.com.  ICLUB develops software used by many investment clubs.

Pick 2: Stocks to purchase are selected through a process called Pick 2 where two club members are each responsible for bringing one stock to the monthly meeting for review by members.  General and financial information and pros and cons for each stock are presented to the partners on a comparison fact sheet.  A Stock Selection Guide (SSG) is completed for each of the the two stocks. The stocks are also evaluated using Toolkit's Comparison Guide or the Online SSG's Comparison Guide. After an open discussion, decisions are made to bypass or purchase the stocks presented. The November 2017 Pick 2 stocks will be Adobe Systems (ADBE) and Cambrex Corp (CBM).  (An indepth description of the Stock Selection Guide is presented in the Partner Packet. )

 

Future Investment Webinars

Click here for a complete list of webinars, classes, and events offered by BetterInvesting, the Central PA chapter of BetterInvesting, and other investment websites.

These introductory classes are open to BetterInvesting members and non-members, so be sure to pass this information on to friends, colleagues or family members who might be interested in learning about investing.

Future Investment Education Event

Keystone Strategies Education Event (Sponsored by the Central PA Chapter of BI)

Saturday, August 19, 2017, 8:30 am - 1:00 pm
Giant Food Store Community Room, Camp Hill, PA

 

Cost: Free

Pre-registration is required. You can register by contacting Bruce Kennedy at 717-737-5033, brucelkennedy@verizon.net or by mail to

Central PA Chapter NAIC

506 Indiana Ave

Lemoyne, PA 17043

 

Please include your email address and home address / phone number.

 

Education Event attendees will be able to attend educational sessions. The morning will include a continental breakfast. There will also be time to exchange ideas with other investors during a refreshment break.

Future Investment Webinar

Stock Study: D. R. Horton (DHI) (Sponsored by the Central PA Chapter of BI)

Tuesday, February 20, 2018, 7:00 - 8:00 pm
Webinar, see future emails for information.

 

Cost: Free

You can register online or you can register by contacting John Diercks at 814-234-8775, jwdiercks@aol.com or by mail to

Central PA Chapter NAIC

1017 Crabapple Drive

State College, PA 16801

 

Please include your email address and home address / phone number.

 

A series of Stock Study webinars will be presented by the Central Pennsylvania Chapter during 2016. Companies chosen for the stock studies will be in different sectors, industries, and investment situations. Little-known investment situations will be described in the webinar. The studies will include background information and a description of products/services provided by the company. Detailed financial data will be presented for the company and compared with competitors. Reviews by Value Line and Morningstar analysts will be included in each stock study. Finally, a Stock Selection Guide (SSG) will be presented with a discussion of judgments used to build the SSG.

D. R. Horton, Inc. (NYSE Symbol, DHI) will be reviewed in the first 2018 stock study webinar. D. R. Horton is in the Residential Construction Industry, Consumer Cyclical Sector. The Company is a residential homebuider in the United States.

Future Investment Webinar

Do You Really Make Money Investing in Bonds? (Sponsored by the Central PA Chapter of BI)

Will be scheduled in the future
Webinar, see future emails for information.

 

Cost: $10

Pre-registration will be announced later. You can register by contacting John Diercks at 814-234-8775, jwdiercks@aol.com or mail a check to

Central PA Chapter NAIC

1017 Crabapple Drive

State College, PA 16801

 

Please include your email address and home address / phone number.

 

Investing in fixed-income bonds can be difficult if you let it. U.S. Treasury Notes and bonds, U.S. government agency bonds, corporate bonds, and tax-free municipal bonds will be introduced in this session. Learn the effects of inflation, changes in interest rates, taxes, and other potential influences on the actual return from fixed-income investments.

Future Investment Webinar

Dividends -- The Forgotten Profit Maker (Sponsored by the Central PA Chapter of BetterInvesting)

Will be scheduled in the future
Webinar, see future emails for information.

 

Cost: $10

Pre-registration will be announced later. You can register by contacting John Diercks at 814-234-8775, jwdiercks@aol.com or mail a check to register for the webinar.

1017 Crabapple Drive

State College, PA 16801

 

Please include your email address and home address / phone number.

 

You will learn the pros and cons of investing in common and preferred stocks in addition to many other poorly understood investment vehicles that offer high rates of return at relatively low risk. The webinar will cover basic definitions, review stocks from a dividend perspective on a stock study form, show the impact of dividends and the growth of dividends on the rate of return for investors, and show the importance of cash flow from operations on the ability of a company to pay and grow dividends. Finally, little known, high-yielding investments available across the border in Canada will be introduced as a way to diversify into foreign dividend-paying equities.

Future Investment Webinar

Evaluating Management: Dissecting Pre-Tax Profit Margin and Return on Equity (Sponsored by the Central PA Chapter of BI)

Will be scheduled in the future
Webinar, see future emails for information.

 

Cost: $10

Pre-registration will be announced later. You can register by contacting John Diercks at 814-234-8775, jwdiercks@aol.com or mail a check to

Central PA Chapter NAIC

1017 Crabapple Drive

State College, PA 16801

 

Please include your email address and home address / phone number.

 

Know how to investigate whether management is acting in the best interests of shareholders. The relationship of sales and expenses to pre-tax profit margin (pre-tax profit/sales) is investigated in light of a company’s ability to make money, and return on equity (net income/equity) is broken down into its three basic components to understand whether a company is spending shareholder’s equity wisely. Examples from several companies will be presented to illustrate potential problems in management. Attendees will come away from the webinar being able to recognize developing problems in pre-tax profit margin and return on equity from the trends in these important financial ratios on the Stock Selection Guide.

Future Investment Webinar

A Company's Checkbook: The Statement of Cash Flow (Sponsored by the Central PA Chapter of BI)

Will be scheduled in the future.
Webinar, see future emails for information.

 

Cost: $10

Pre-registration is required. You can register by contacting John Diercks at 814-234-8775, jwdiercks@aol.com, or mail a check to

Central PA Chapter NAIC

1017 Crabapple Drive

State College, PA 16801

 

Please include your email address and home address / phone number.

 

The statement of cash flow is extremely important in evaluating a company's financial health, but it is poorly understood by many investors. Learn about the major sections of this statement, a bridge between the income statement and the balance sheet, important entries in each section, and how this statement relates to the company's checkbook. This webinar is for novice to more savy investors.

Future Investment Webinar

Mergers, Acquisitions, and More (Sponsored by the Central PA Chapter of BI)

Will be scheduled in the future.
Webinar, see future emails for information.

 

Cost: $10

Pre-registration will be announced later. You can register by contacting John Diercks at 814-234-8775, jwdiercks@aol.com or mail a check to

Central PA Chapter NAIC

1017 Crabapple Drive

State College, PA 16801

 

Please include your email address and home address / phone number.

 

Changes in company structure through mergers, acquisitions, and spinoffs are common. Drop downs of assets from a utility to a master limited partnership are introduced. These structural changes don't always produce increased investment value for the surviving companies and the investor. Become familiar with the good and bad of mergers, acquisitions, and spinoffs.

Future Investment Webinar

Technical Analysis of Stocks Using Toolkit 6 and the online tool SSG Plus (Sponsored by the Central PA Chapter of BI)

Saturday, March 31, 2018 from 9:00 AM to 12:00 noon
Giant Food Store Community Room, 3301 W. Trindle Road, Camp Hill, PA 17011

 

Cost: $20, includes Continental Breakfast and assorted beverages.

Bruce L Kennedy, 506 Indiana Ave, Lemoyne, PA 17043 Phone: 717-737-5033,email: brucelkennedy@verizon.netbrucelkennedy@verizon.net, or mail a check to

Central PA Chapter NAIC

506 Indiana Ave.

Lemoyne, PA 17043

 

Please include your email address and home address / phone number.

 

Many investors are not confident about their ability to do accurate technical analysis of quality growth stocks. They tend to rely too much on historical data to forecast future sales and earnings growth. They also make mistakes in predicting future P/E Ratios. These errors in judgment often result in inaccurate calculation of Upside/Downside Ratios, resulting in poor investing decisions. If this sounds like YOU, then please register to attend this educational event. The Directors of the Central PA Chapter of BetterInvesting will cover all sections of the Stock Selection Guide (SSG) and answer any questions you may have.

Acknowledgments:

  • The CRMIC website was the former All Clubs Exchange (ACE) website. The current CRMIC website was updated on May 12, 2008.
  • Peg Dobrinska, owner of the Statecollegecentral.com website, housed the former All Clubs Exchange (ACE) website for five years.
  • The ACE website was created by a committee of four. The committee was chaired by Donna H. Diercks and consisted of the following members: Susan Butts, V. Star Campbell, and Lalita Patil.

DISCLAIMER

The information on this website is intended to be used for educational purposes and is not to be reproduced other than for one's personal use. It is not intended to be released for publication. Neither BetterInvesting nor the presenters of this material are responsible for its contents nor guarantee the accuracy of the information contained herein.

The presenters disclaim any responsibility for any liability incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this website.

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