Let Us Help You Become More Profitable

Let Us Help You Become More Profitable

By Nate Linder

Many of our clients are young individuals that would consider themselves fairly educated investors. But being educated on the stock market or on the bond market simply isn't enough to ensure that your current and future investments give you the return that you are seeking. Not only must you be constantly aware of what is going on in the markets, but you need also to be conscious of what time of investments you should be making during each period of your life. When gambling in a risky market such as the stock market, individuals investing for themselves need to know the basic analytics necessary to achieve success. It is also crucial to know how you should be balancing your accounts, and how to properly manage them.

When analyzing stocks to purchase there are about a million different factors that need to be considered, and every stock analyst will go on to tell you their personal opinion on which statistics are best to consider before making a purchase. The truth in the matter is that at the end of the day the stock market is just legal gambling that is truly unpredictable. Yes, there are ways to possibly see what the future of companies will hold when examining some stocks, but if you don't spend the majority of each day educating yourself on the markets, you probably won't have an idea on what the future holds for most companies.

A few key elements to analyze when making a stock portfolio are the Beta, dividends paid, and the company's earnings. The beta provides you with an idea of how that particular stock will be affected with a change in the economy and stock market as a whole. A proper stock portfolio built for success should have stocks with a wide range of betas. This can ensure protection over your account if there is ever another stock market crash. It can also provide you with protection while the stock market is progressively moving forward at a solid rate. Dividends are definitely something to be considered when making a stock purchase. Either companies can choose to pay out dividends to their shareholders or they can dump that money back into the operation to try to improve their business.

Many people like dividends when purchasing stocks for the short-term. We all know that stocks are meant to be a long-term investment, but many people still try to profit off of them in the short-term. Personally, I do not invest in many companies that pay large dividends to their shareholders because I'd prefer them to use that money to grow their business and drive their stock price as high as possible. Don't get me wrong, money now is always better than money later, but when trying to optimize a long-term investment I'd rather be patient and watch the company's success go through the roof in a few years than make an extra five dollars per stock each year right now.

Article Source: Let Us Help You Become More Profitable

How to Make Informed Investments

How to Make Informed Investments

By Nate Linder

Preparation is the name of the game. The Chicago Bulls would never have won six championships if it wasn't for the countless hours that Michael Jordan put in the gym throughout his entire life, and the endless game planning that he had undergone before every single game of his career. This kind of preparation, mixed with an unnatural athletic ability, was the reason that he had reached the level of success that he had. In the world of investing however, one does not need to possess any particular natural talents or abilities. The key characteristics of a truly successful investor include knowledge and preparation. Even the most experienced and successful investors in the world today are constantly searching for ways to improve themselves on a day to day basis. All of the best investors are not only informed on what industries to invest in and when, but also informed on what kind of position they are in at any given time, and aware of the best kind of investments for them at that particular moment in time.

Continually being conscious of your financial position during all points of your investing career and knowing yourself as an investor inside and out is crucially important when determining the level of risk that you should be taking on and when. If you are someone that finds themselves particularly interested in long term investments that will ensure a fairly moderate amount of return on investment, then there are a multitude of options for you. We all know that with the all-time low interest rates we are experiencing right now, savings accounts are not an effecting way of collecting interest at all.

Personally, I believe that the two best long-term investments include certificates of deposit (CD's) as well as bonds. CD's are just about as low risk as they come. These are especially nice because they are insured $250,000 by the FDIC, so as long as you are diversifying the CD's that you purchase, you're 100 percent certain that you will be receiving the promised amount of money back. By this I mean that when purchasing CD's you should open up multiple of them and never let them reach $250,000 before maturity if you want to be 100 percent certain of receiving the promised amount of money on time. They typically range between 6 month investments to 30 year investments. The longer away the date to maturity, the higher the interest rate on that particular CD. The best way to ensure a solid return on investment as well as a steady flow of income from a CD would be to have many different ones with a range of maturity dates that span from the short term to the very long term.

Article Source:  How to Make Informed Investments

Book Review of Turtles All the Way Down

Book Review of Turtles All the Way Down

By Anmol Rawat

A billionaire is missing and a promise of cash reward fascinates Aza Holmes, a young-adult suffering from OCD and anxiety. While her daily existence is cumbersome due to the negative thoughts that are spiraling her downwards in life, she can definitely look up for a true friendship that awaits her. This is the core theme of the book apart from showcasing the true form of mental illness.

It's not merely a book, but a journey. Apparently John Green has developed a penchant for it. The initial pages are light-hearted and draw your interest but as soon as the author pulls you deeper into the life of Aza, her conflicts, and inner demons, it becomes difficult to read. This is not because you don't want to read, but because it hurts you.

Turtles All the Way Down showcases the true nature of OCD and anxiety from a POV of a 16-year-old-girl. As soon as you read the line 'Whether it hurts is kind of irrelevant', you begin pondering upon the truthfulness of it. However, that is only the beginning.

There is a section in the book where the protagonist wonders what is it that people want to hear when they ask about the well-being of others? Are they merely looking for simple answers? Will they be interested to actually listen? How will they react if someone reverted that they were not doing OK?

The book also deals with loss. Now that subplot has a good reason behind it in my opinion. Maybe the author wanted to showcase how even a person suffering from mental sickness is not exempted from other worries in their life. It further adds to the pain of the protagonist and makes you think.

I loved how John Green has developed the characters. Also, every character has a significant role in both the story and Aza's life.

Another significant thing to notice is in one of the quotes inside the book. "I guess at some point, you realize that whoever takes care of you is just a person and that they have no superpowers and can't actually protect you from getting hurt." Even though everyone around Aza loves her, it doesn't change the fact that she is hurt from the inside. It is true in real life as well. People who care for us might help us sail through our sorrows but they can't protect us from getting hurt in the first place.

Overall, the book is wonderfully written, thought-provoking and a great addition to the young-adult genre.

Anmol Rawat is a published author and one of the best Indian bloggers, popular in the blogging world for writing short stories and personal blogs.

Article Source:  Book Review of Turtles All the Way Down