SM
Home
About Dr. Michael R. Loss
Contact Corporate Offices
Introduction
The Magic Genie and the Deal
The One Sentence / One Page Summary
The Investing For Students.org Program
Understanding The Coffee Can Savings Plan
Understanding DRIPS
Everything You Need to Know About DRIPS
How to Buy a DRIP at a Student Discount
The Wisdom of Einstein
Avoid Stupid Things
Understanding Compound Interest
Compound Interest Tables
Free Personal Web Page Explained
Free Personal Web Page (User Access)
Free Registration for Students
Student Login
Free Registration for Schools
School Login
Free Programs for Schools
Contests for Students / Participants
Contest for Schools
Grand Parents / Parents / and Children
Summary
The Investing For Students.org Program
1. Is simple.
2. Is automatic.
3. Is virtually free (of fees and commission).
4. Is almost impossible to get financially hurt (Unless the market crashes or you consistently pick horrible DRIPS).
5. Is educational.
6. Will work for every child.
7. Is affordable.
8. Teaches the virtues of saving, money management, and investing. There is no reason for any student / participant who practices the InvestingForStudents.org Program to ever be poor.
9. Will work for you, the parent, making you wealthy, as well as your child.

The InvestingForStudents.org Program is so good and effective that if you do not get your child into the program it almost constitutes financial child abuse.

The InvestingForStudents.org Program is specifically designed for students. It is elegant in it's simplicity and its effectiveness. It is essentially a streamlining of the Future Millionaires of AmericaSM Program (futuremillionairesofamerica.com) utilizing DRIPS as the investment medium. It's goal is to transform every student / participant into a multimillionaire DRIP investor by adapting the Future Millionaires of AmericaSM Wealth Acquisition Formula to DRIP Investing.

You need only three things for the InvestingForStudents.org Program:

  1. A Coffee Can.
  2. www.directinvesting.com or call toll free 1-800-388-9993.
  3. Time.

1. A Coffee Can - this is for your Coffee Can Savings PlanSM.

  1. Put $1+ a Day into your coffee can for the rest of your life.
  2. Put 50% to 100% of frugal savings money into your coffee can.
  3. Tithe (10%) of your income into your Coffee Can.
  4. 50% of windfall money into your Coffee Can.

See - Understanding the Coffee Can Savings PlanSM to understand the Coffee Can Savings PlanSM.

2. The web site address www.directinvesting.com or call toll free 1-800-388-9993, this will get you into any DRIP Program available. Examples of a few of the companies offering drips are: Coca Cola, Microsoft, Walmart, Exxon-Mobil, Bank of America, UPS, McDonalds, Harley-Davidson, Procter & Gamble, Eastman Kodak, Colgate-Palmolive, Heinz, Kraft, Johnson and Johnson, Disney, and Home Depot. These are but a small number of the hundreds of corporations that offer quality DRIPS. At the end of the chapter, UNDERSTANDING DRIPS, is a list of corporations offering quality DRIP programs.

DRIPS- Dividend (or Direct) ReInvestment Plans are basically a way to buy shares or fractions of shares of quality stocks for small ($10 to $50+) amounts of money commission free, and reinvest the profits, also commission free.

Initially enroll in one to two drips. Gradually build your own Personal Mini-Mutual Fund of from 10 to 30 DRIPS.

An important point to note. You do not need a computer to get into DRIPS. If you call toll free 800-388-9993 they will mail you the DRIP ENROLLMENT ORDER FORMS.

See - UNDERSTANDING DRIPS - Dividend reinvestment programs to understand DRIPS (click on link).

3. Time - the Future Time Value of Money. This is a lifelong program. See in the table below how a good rate of compound interest, 10%, 12%, 14%, 16%, and 18%, which you can get by getting into a few good DRIPS, applied to a growing base of affordable investment money, $1 a day, $50 a week, or $8000 a year, which you get from your Coffee Can Savings PlanSM, transforms small amounts of money into multimillion dollar DRIP fortunes.

Time - Compound Interest - Future Value of Money
Money Saved Int% 10 years 20 years 30 years 40 years 50 years 60 years 65 years
$1 a day 10% 5,903 21,129 60,619 163,048 428,722 1.2 million 1.8 million
$1 a day 12% 6,527 26,676 89,258 283,627 887,309 2.8 million 4.9 million
$1 a day 14% 7,224 33,840 131,511 498,306 1.9 million 6.9 million 13.3 million
$1 a day 16% 8,004 43,093 197,886 880,743 3.9 million 17.2 million 36.1 million
$1 a day 18% 8,877 55,044 296,679 1.6 million 8.2 million 42.8 million 97.8 million
$50 a week 10% 42,050 150,505 431,809 1.2 million 3.1 million 8 million 13 million
$50 a week 12% 46,492 190,024 635,811 2 million 6.3 million 20 million 35 million
$50 a week 14% 51,461 241,053 943,914 3.5 million 13 million 49 million 94 million
$50 a week 16% 57,018 306,966 1.4 million 6.3 million 28 million 122 million 257 million
$50 a week 18% 63,231 392,097 2.1 million 11 million 58 million 305 million 698 million
$8000 a year 10% 129,386 463,093 1.3 million 3.6 million 9.4 million 24.5 million 40 million
$8000 a year 12% 143,052 584,688 2 million 6.2 million 19 million 61 million 107 million
$8000 a year 14% 158,341 741,702 3 million 11 million 41 million 151 million 290 million
$8000 a year 16% 175,440 944,512 4.3 million 19 million 85 million 377 million 791 million
$8000 a year 18% 194,558 1.2 million 6.5 million 34 million 179 million 939 million 2.1 billion
For more information on compound interest please see Understanding Compound Interest And The Compound Interest Time Progression Tables in the table of contents.

The way the program works is:

  1. Fund your COFFEE CAN SAVINGS PLANSM.
  2. Initially get into one or two good DRIPS (example Coca Cola and/or Walmart), then gradually, after several months to years, acquire 10-30 DRIPS, and build your own Personal Mini Mutual Fund.
  3. One to two times a month, transfer small sums of money ($10 - $50+), from your COFFEE CAN SAVINGS PLANSM into your DRIP accounts.
  4. Do this for the rest of your life. In essence you automatically become a lifelong effective investor who regularly saves small sums of money, in your coffee can, effectively invests that money (commission and management fee free), and automatically reinvests the profits. Do this for the rest of your life, and avoid doing stupid things. 95%+ of individuals who do this will become multimillionaire DRIP investors.

The reasons that the InvestingForStudents.org Program works is:

  1. It plants the seed in the mind of the Student / Participant that he/she will become a multimillionaire DRIP investor. Then shows them how to do it utilizing a coffee can and DRIPS.
  2. The Student / Participant will develop a multimillionaire DRIP investors mentality.
  3. It sets a precident of making young children stock holders.
  4. The Student / Participant will develop the lifelong enjoyable hobby/habit of daily regularly saving small sums of money in their COFFEE CAN SAVINGS PLANSM, regularly investing that money into their DRIPS and avoid doing stupid things.
  5. The Student / Participant will learn to save small amounts of money in their COFFEE CAN SAVINGS PLANSM by:
    1. Put $1+ daily into their coffee can for the rest of their lives.
    2. Put 50% to 100% of frugal savings money into their coffee can.
    3. Tithe (10%) of their income into their coffee can.
    4. 50% of windfall money into their coffee can.
  6. Teach Students / Participants to access the website www.directinvesting.com or call the toll free phone number 1-800-388-9993 to enroll in DRIPS and build their own personal mini-mutual fund DRIP portfolio of quality stocks (Coca-Cola, Walmart, Microsoft, Home Depot, Exxon-Mobil, etc) with small affordable amounts of money (Usually $40 - $80 per DRIP). Please note that of the $40-$80 you spend to get into each DRIP, your only one time expense is a $20 commission for registered members of InvestingForStudents.org or a $40 commission for non registered members. The $20 to $80 (cost of the stock) is your equity in your first share of the stock in your DRIP. Thus if Coca Cola is selling for $45 a share it will cost you $65 dollars to get into the DRIP, $45 for the share of stock which you own and your $20 commission for registered members of InvestingForStudents.org or a $40 commission for non registered members. From then on you can buy Coca Cola stock through your DRIP account, as little as $10 worth at a time, for the rest of your life without paying any commission.
  7. Teach Students / Participants to fund their DRIP Accounts on a one to two times a month basis with small affordable sums of money (as little as $10 to $50+) from their COFFEE CAN SAVINGS PLANSM
  8. Teach Students / Participants the almost fool proof road to riches that time (a lifelong project) and a good rate of compound interest which you will get automatically by owning a portfolio of quality DRIPS (Coca-Cola, Walmart, Microsoft, Home Depot, Exxon-Mobil, etc), will have on a growing base of investment capital (the Money from your COFFEE CAN SAVINGS PLANSM, and the growing equity in your DRIP portfolio). See the Time - Compound Interest - Future Value of Money Table above.
  9. Children like to receive mail addressed to themselves. With a DRIP portfolio they will receive lots of mail.
  10. All of this will be done in cooperation with the school and with the student's parents or legal guardians utilizing custodial DRIP accounts. Because students are minors they need to be enrolled in custodial DRIPS accounts with their parents or legal guardians being the custodian. At age 18 the custodial DRIP account reverts back to the student.
  11. Students / Participants have to understand that this is a lifelong program. It is started in school or when they are born and stops when they die. It utilizes small amounts of real money invested in the stocks of quality corporations, commission free, through the magic of DRIP investing which will over years grow those small dollars into fortunes and transform 95%+ of those students into multimillionaire DRIP investors.
  12. Students / Participants must understand that you DO NOT take money out of this account for any reason, except to pay taxes on the DRIP Taxable profits. You DO NOT take money out to buy a car, to buy an engagement ring, for a wedding, to buy a house, to pay credit card debt, to finance a college education, to buy a boat, to go on vacation, to give to a friend in need or a relative in need. The purpose of this money is to grow small amounts of money from your COFFEE CAN SAVINGS PLANSM with time, and compound interest into multimillion dollar DRIP fortunes. You can take some money out as you see fit, but that is years away when you have the multimillion dollar fortune. A Practical example at age 18 a student takes $15,000 out of his program to buy a car, he gets a 12% return on his DRIP investments what would the value of that $15,000 be in 60 years at 12%? Answer: $13 Million! $13,000,000 is a lot of money to lose for a $15,000 car. Now if he would of been funding his DRIPS and not bought that car his estate would have exceeded $100 million and he could have bought all his grandchildren all of the cars that they want.
  13. The beautiful thing about this program is that it works for all kids, rich kids, poor kids, beautiful kids, ugly kids, black kids, white kids, smart kids, and dumb kids. If you are young and you follow this program 95%+ of you will become a multimillionaire DRIP investor in your lifetime.
  14. This Program is done by the student for the student under the control and supervision of the parent through custodial DRIP accounts and not by the parents for the student. With this program you do not give the student a fish, you teach the student to fish. The student drops the $1+ daily into the coffee can. The student picks the DRIPS. The student sends the money from the coffee can into the DRIPS. The student gets into the Hobby/Habit of doing this for the rest of their lives. The student becomes a multimillionaire DRIP investor because of what the student is doing for the student, not because of what the parents have done for the student. With time and practice the student becomes a great fisherman and a multimillionaire DRIP investor.
  15. Bottom line - An Education is a wonderful thing. One of the goals of an education should be to transform a student into a financially stable adult. Unfortunately between Algebra, Science, History, and English this concept of a financially stable adult gets lost, forgotten, or not taught at all. The InvestingForStudents.org Program addresses and corrects that short fall for every participating student. Getting Straight A's is nice but becoming a multimillionaire DRIP investor is even nicer. Given the choice which would you rather do? Start the InvestingForStudents.org Program now. Drop your first $1+ into your coffee can. Register now by clicking on FREE REGISTRATION FOR STUDENTS. That is all it takes. Good luck and good DRIP investing.