As money-wise millennials, we have a lot of goals in mind as we graduate from school, get started with our careers and think about what we want our finances to look like in the coming years. One financial consideration that often gets pushed to the periphery is life insurance. You may be asking isn’t life […]
Archives for June 2014
Investing Tip #61: Know Your Risk Tolerance
Always remember investments in securities are subject to market risks. You may even lose your capital. The level of risk investors can take varies from investor to investor which mainly depends on the individual’s risk tolerance. Ascertain your loss bearing capacity and limit your investments accordingly. Understanding your risk tolerance will help you come up […]
Investing Tip #60: Focus on EPS Growth
EPS, or earnings per share, is a metric that you need to pay attention to. Invest in a company whose aggregate earnings are growing together with increasing earnings per-share. Ensure the company has not reduced them through dilution on a per share basis. Buffett explains company’s goal should not be simply growing earnings, but also […]
Investing Tip #59: A Company’s Growth in Areas of its Core Competence Pays
If you lean on the side of growth investing be sure to look at the core competency in companies that you want to invest in. Core competency provides sustainable competitive advantage and the company benefits from the growth. Graham considers value of potential growth only if the growth is within the core competence or franchise […]
Setting Up an LLC for Investing
Have you ever wanted to invest with a partner, or with an investing club? Or maybe you have a bunch of family members that want to pool their money together to invest. One of the best ways to do this is by setting up an LLC for investing. An LLC is a limited liability company, […]
Investing Tip #58: Avoid a Company That Buys Back Its Own Shares at a High Price
Be on the look out for companies that buy back their own shares at a high price. A repurchase at high level reduces continuing shareholders’ wealth because per-share intrinsic value decreases. Sometimes management goes for buying back shares at inflated prices just to jack up the share price in the market. Avoid companies that do this. […]
The Value Investing Cheat Sheet
Value investing is the investing idea that you can buy a company that is “under-valued” relative to its true value. The reason that its stock is undervalued relative to its fundamentals could be market movements or other outside trends. However, you want to make sure that you avoid value traps, which could mean the company […]
Investing Tip #57: Look at the Economy as a Whole
A company’s performance is influenced by both global economy and domestic economy. The surrounding factors also have an impact on the company, these factors are relating to the industry and the economy. The Economic Indicators such as GDP, unemployment, Inflation, Interest Rates, Budget Deficit, etc. reveal the health of domestic economy which influences company’s performance. […]
How To Get a Student Loan with Bad Credit
Sometimes the early choices we make with money come back to bite us in the ass. Say you get a credit card at 18, and then don’t pay your bills. This can damage your credit score early on, and make it hard to get other loans later. And while you’ve learned the error of your […]
Investing Tip #56: Invest 90% in S&P 500 Index ETFs
Warren Buffett has come out with a very simple rule for startup investors like you. He suggests that you invest 90% in S&P 500 Index ETFs and 10% in short term U.S. government bond funds. While selecting index ETFs, look at their management expenses and go for low cost ETFs. This simple rule can help guide […]
CommonBond Review: Crowdfunding For Student Loans
We all know that student debt is on the rise. In fact, student debt has increased by 63 percent in the past decade. What’s worse though, is that many students are getting stuck with super high interest rates – especially if they take out private loans. This saddles them with debt that could take tens […]
Investing Tip #55: Win Over Emotions
When it comes to investing for the long term you need to stick to a systematic approach. Greed, fear, excitement and frustration are your enemy in stock market. Don’t allow the emotions to make your investing decisions. Always maintain a disciplined approach to investing. If you want to learn more check out these resources: Key […]
Creative Ways to Use Your Student Loan Money
Are you currently in college and receiving student loan money? Have you ever thought about using some of that money in another way? Did you even know this was an option? To be frank, since the government cannot possibly track what exactly you are doing with the student loan money, you could (in theory) spend […]
Investing Tip #54: Have Realistic Expectations
You need to have realistic expectations when you’re investing. The stock market is not a gambling place. Don’t expect to become a millionaire overnight. You may earn reasonable returns on your investment. You can grow your money by investing but it will take time. If you want to learn more check out these resources: Cash […]
Investing Tip #53: Avoid a Company with Management Having Doubtful Integrity
Remember, when you buy a stock you’re buying part of a company. Therefore, you need to avoid investing in companies that are run in a way you don’t approve of. If a company’s management has dubious past or lacks sense of trusteeship for stakeholders, you should never invest in any of its group companies. You […]
Investing Tip #52: Invest Small Amounts Regularly
One common misconception is that you have to be rich to begin investing. This simply isn’t true. The wise way to build up a good portfolio is to first select a few good companies and buy small quantities regularly over a period of time. Don’t invest a large amount all at a time. Start small, […]
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