The Investor/Speculator Test

Above is my home in Harrisburg, Pa. Let’s see if you understand the information that I have been giving you. Has this information been getting through to you? Here are 25 questions from the past 60 blogs.

1) Darnell Williams says to buy stock in company “A”. He has been right so far so you buy the stock. What are you doing in the market?

A) Gambling
B) Speculating
C) Investing
D) None of these

2) Darnell Williams gave you all the information that you need to figure out how the company of the underlying stock will do in the next 2 years. You buy the stock based on that information. What are you doing?


A) Gambling
B) Speculating
C) Investing
D) None of these

3) Darnell Williams gave you information about a bond that gives 8% interest per year every 6 months. The bond matures on 12-01-2012. It is a “BBB” bond with positive company earnings. You buy the bond. What are you doing?

A) Gambling
B) Speculating
C) Investing
D) None of these

4) You can loose money on an investment! (True or False)

5) Buying stocks is safer than buying S&P Rated “B” to “BBB” Corporate Bonds! (True or False)

6) In general the potential for making more money is in Stocks Vs. Corporate Bonds! (True or False)

7) I want to invest in company “x” stock because I think it is going to go up. Should I look to see if company “x” has a convertible bond first? If so, buy the convertible instead of the common stock? (Yes or No)

8) I bought 1,000 shares of Ford Stock at $2.00 a share. It is now selling at $20.00 a share. I am afraid the stock price will fall. Can I make money by insuring my stock by selling Ford Put Options in the Stock Market? (Yes or No)

9) I want to find out the yield that a stock is giving. I should look at;

A) The Price to Earnings
B) Dividend per year divided by the Current Price
C) Dividend per year divided by it yearly earnings
D) None of these

10) I can make money in a falling or Bear Stock Market by;

A) Not buying stocks at all
B) Buying bonds
C) Short selling stocks
D) Short selling bonds

11) Payout Ratio = $1.45 Annual Earnings/ 40 cents Annual Dividend – This will tell you;
A) How much the company pays in dividends
B) How much the company pays in expenses
C) How much the company earns
D) How much the investor pays in dividends

12) Preferred shareholders have priority over common stockholders on earnings and assets in the event of liquidation and they have a fixed dividend (paid before common stockholders). (True or False)

13) Preferred shareholders have higher risk than common stockholders when looking at earnings and assets in the event of liquidation. (True or False)

14) A _____________ Preferred Stock is a type of preferred stock that carries the provision that the issuer has the right to call in the stock at a certain price and retire it.

A) Participating
B) Prior
C) Contingent
D) Callable

15) What security has the lowest claim on Company Assets?

A) Mortgage Bonds
B) Debentures
C) Notes
D) Common Stock

16) The ___________ of Money is a term used to describe the rate at which money is exchanged from one transaction to another.
A) Movement
B) Velocity
C) Smell
D) None of these

17) GDP = C + I + G + (X - M) This is the equation for the __________________ .

A) Gross National Product
B) Gross Dispending Product
C) Gross Domestic Product
D) Gross Direct Product

18) This index measures our rate of Inflation, Deflation, and Stagflation.

A) CPI
B) Consumer Price Index
C) Both of these
D) None of these

19) This happens when the economy isn't growing but prices are.

A) Stagflation
B) Deflation
C) Inflation
D) None of these

20) _______ is the rate at which the general level of prices for goods and services is rising, and, subsequently, purchasing power falls.

A) Stagflation
B) Deflation
C) Inflation
D) None of these

21) ________ is, a general decline in prices, often caused by a reduction in the supply of money or credit.

A) Stagflation
B) Deflation
C) Inflation
D) None of these

22) Insurance is not an investment. Insurance is protection against loss. (True or False)

23) This is evidence of an IOU from a county within a state.

A) Municipal Bonds
B) Corporate Bonds
C) Treasury Bonds
D) Authority Bonds

24) The ____________ Plan uses income producing securities such as Utility Stocks.

A) Williams Plan
B) Tulloch Plan
C) Utility Plan
D) Income Stock Plan

25) Darnell L Williams objective in writing this blog is to;

A) Teach the public how to invest
B) Teach the public how to take back corporations
C) Teach the public how to save investment purchasing expenses
D) Teach the public how not to be taken advantage of by the banking, insurance, and brokerage communities
E) All of these



1) A -- because you did not take the time to read any research on the stock.
2) B -- because you do not know how the stock will perform in the future.
3) C – because you know how much money you are starting with, how much you will make and how much money you will have at the end of the investment.
4) True
5) False
6) True
7) Yes
8) Yes
9) B
10) C
11) A
12) True
13) False
14) D
15) D
16) B
17) C
18) C
19) A
20) C
21) B
22) True
23) A
24) A
25) E

How did you do?

If you got 0, 1, or 2 wrong then you know the material over the past 60 Blogs.
If you got 3 or 4 wrong then you are very knowledgeable of the material presented.
If you got 5 or 6 wrong then you have a fair knowledge of the material.
If you got 7 or 8 wrong then you need to read over the material again.
If you got more than 8 wrong, you have been on the Dating Service Websites instead of reading my material.

What is next in the Blog?

We are going to talk more about you speaking prosperity or poverty to your children. Then we are going to talk about legal people in America. Next, I am going to give you a step by step plan to follow in moving in and taking over the corporation of your choice.

While I am doing that, I want to hear from you. Tell me what topic you want to hear from me on. I will write a blog from time to time based on the topic that you send in to me. Send me your first name and the place on Earth where you live (City, State, or Country). No “off worlders” please. Let’s just keep it between the “family of man!”

Send to WDarn44243@aol.com