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How to Perform Market Research When Investing

October 11th, 2014

market researchBuilding an investment portfolio requires that an investor performs a thorough market research. In the contemporary stock environment, there is a seemingly unlimited amount of data available in public traded stock. While this may seem a blessing, it is not easy to arrive at sound decisions on investment. Therefore, an investor needs to narrow down their stock investment options with predefined screeners prior to investing.
 
Finding Critical Information About a Company
 
There are a few ways that an investor can find critical information. To start with, one can peruse through SEC files for quarterly and annual reports. Second, brokerage firms as well as research institutions do provide authoritative investment information about companies. For example, Morningstar-a well known research company- gives information and opinion about various companies. Also, you could inquire the help of a stock broker Third, customer’s due diligence can be attained through reading online forums and review sites. Fourth, it is important that one understands the anatomy of the company. This includes information about its welfare on employees, reputation, and the stability of the client base. Lastly, an investor should check out if a company pays regular dividends. As a general rule, companies that pay dividends record steady growth.
 
The NASDAQ Dozen
 
If an investor is facing analysis paralysis, one can use the NASDAQ dozen. Simply put, this is a rational and repeatable process for analyzing the most fundamental and technical aspects of any stock. It involves the following 12 steps: revenue, earning per share, return on equity, recommendations, earnings surprises, forecast, earning growth, PEG ratio, industry earnings, days to cover, insider trading, and weighted alpha.
 
To score the 12 scores, you have to assign each score either a passing or failing grade. Eventually, add up the passing grades and compare them to the failing grades. If you have a high ratio of passing grades compared to the failing grades, then you can have confidence in the stock in question. While it is not a guarantee to financial success, it is an effective market research tool in identifying stock options that have high returns, predictability, and low risks.
 
Fundamental Analysis
 
Fundamental analysis is the corner stone of investing. Its biggest part is exploring the financial statements that involve revenue, expenses, assets, and liabilities. It also includes the company’s competitive advantage as well as its competitors. By extension, it illuminates the general health of the economy and specific national factors that might affect a specific company. Overall, fundamental analysis evaluates a company’s health and calculates its credit risk.
 
Finally
 
Unexpectedly, the most important information is found where no one else is looking. Beyond the annual reports, there is a lot of data in finance and the daily happenings of a company that can help an investor make a sound investment decision. However, some risk taking is not a bad idea. This is because no source, however reputable, can accurately predict the future market trends. Overall, execution of a thorough market research before investment leads to a very high likelihood of gaining from investing in a particular stock as well as low-risk stock preferences. A great site to visit if considering becoming a stock broker and are interested in learning what a stock broker earns go to http://www.stockbrokersalary.biz.

How to Keep Debt from Ruining your Marriage

October 10th, 2014

in debt while married
According to the results of the National Marriage Project, couples that engage in heavy debt are likely to be in an unhappy marriage over time as compared to the couples with less or no debt at all.

Here are a few ways to Keep Dept From Ruining Your Marriage:

 
Talk to each other how much money you have and your debts

It’s very significant and wise to discuss about your debts and how much you both have together openly and honestly. Also, talk about your dreams and plannings that you and your partner want for your future together including your home, retirement, travel plans and other goals. Planning the journey will strengthen the bond and will also make things crystal clear.

Discuss and Set Limits for Using The Credit Cards

Sit together with your partner and list the things for which you both may use the credit card and try to maintain that limit. Credit cards should be used only if its something very important and for emergencies. For instance, try not to use it for avoidable purchases such as a luxury item, instead save it for an emergency like fixing a broken computer.

Apply for an Affordable Mortgage

It’s important to plan for situations that may disrupt your finances (pregnancy, unemployment or health issues, etc) which can interrupt the total income you receive if both are working. That’s why it might be a good idea to consider buying a house that one spouse would be able to afford in case the other is out of work. Having that safety net would avoid huge troubles bankruptcy or foreclosure. Having a mortgage that’s affordable enough that one spouse can afford would eliminate those issues.

Keep Away From Avoidable Debt

As mentioned before, limiting your use of credit cards is important because it can help keep avoidable debt at bay. Sometimes it’s better to use a debit card when purchasing everyday items such as clothing, food or household goods because you typical know (or should) roughly how much you have in your bank account. Knowing this will allow you to avoid having all that credit affect your spending habits because you know that if you over-spend you’ll have to deal with fees. It can sometimes be easy to lose track with credit cards and eventually put yourself in more debt. It would be a shame to have to pay interest for these everyday items.

Handling Debt Prior to Marriage

Additionally, If there is a credit crisis that occurred prior to you two being together, discuss a plan to handle this issue as a couple as it can form a strong relational bond between the two of you instead of one just trying to handle it on their own.

If you find you or your partner are continually receiving overdraft fees, then using cash and the envelope budgeting system might be better, because once you run out there’s none left as opposed to a card that will always be there.

Tackle the Debts Together

Finally, remember to consider the combined load a thing to work out together and make plans to clear off your debt as a team. Do not let this burden ruin your relationship with your spouse as at the end of the day, you both are in this together.

Hulu Vs Netflix: Which Service is Better?

October 9th, 2014

netflix vs hulu plus
Technology is an important part of our lives and websites that offer movies, TV programs and related things have a huge demand. Hulu and Netflix are some of these services, and we are going to compare these two media giants herein. Mobile apps, video/audio quality and content volume are the topics we are going to talk about. Netflix stands out both in video/audio quality and content volume, which is something you need to take into consideration right away. The size of the Netflix´s content library is impressive with Amazon just trying to catch up.

Mobile Apps

Both Hulu and Netflix stand out in the field of content delivery. They also excel at software stability, layout design´s continuity between different smartphones, quality and speed of the video playback when used over Wi-Fi, and they can be used in any home theater, computer or tablet device. These services are also compatible with any iOS device as well as Kindle Fires by Amazon. Nook tablets and Windows 8 devices allow for the installation of these apps, but Amazon Instant does not have support for them.

Video/Audio Quality

When it comes to streaming in high resolution, Netflix is the service of choice. 3D-capable TVs will be able to show Netflix´s 3D streams, and it also comes with 10809 streams in Super HD. Conversely, Hulu features 720p as maximum for its content streaming service, and you should also take into consideration that the Netflix´s 1080p streaming depends on the speed of your connection. Netflix has also independent deals arranged with big dogs such as Verizon and Comcast. You can even watch House of Cards in the new UHD/4K resolution streams. You will also need both UHD/4K compatible TV and a fast Internet connection so that you can get the most out of this service.

Content Volume

Netflix offers you the most bang for your buck (despite the recent price hike), since it features the largest library of content on the market. In the past 3 years, Netflix has been adding tons of popular films to its library of content along with a huge amount of TV shows, which make this library standout on its own. To give you just an idea on how huge this library is, some analysts say that the Netflix´s content library is up to 3 times bigger than Amazon´s library with the e-commerce giant making huge efforts just to catch up.

Conclusion

We have been comparing some features of Hulu and Netflix and both services seem to be in the same level when it comes to mobile apps. Both services are excellent at software stability and their video playback over Wi-Fi is simply amazing. However, Netflix is the service of choice for those who value 3D streams and high resolution. In fact, Netflix has a 1080p stream just in Super HD, which means one of the highest resolutions out there. This service also has the largest content library on the market, which is full of popular TV shows and films. It is rather difficult to say which service is better, but it depends on your particular needs and preferences. However, Nextflix seems to offer much more value for the money.

Here’s a list of 100 of the best movies streaming on Netflix right now!

5 Tips to Help you Eat on a Budget

October 7th, 2014

eating on  a budgetWho said that just because you are eating on a budget you have to survive on nasty food? The best things in life are free but for some reasons food is quite pricey. You will be surprised how wrong this notion is. It is very possible to get extremely healthy food at the best of prices. All you have to do is follow these tips on how to eat on a budget and you will be sorted.

1. Prepare a shopping list

Never make the mistake of walking into a supermarket without a list of things you want to buy. You will end up buying more than you actually need for your home. Sit down and prepare a grocery list and when you go to the store hold yourself off from impulsive buying and get only that which you wanted to purchase.

2. Eat at home

Eating out is good but it also means that on top of the food, you are paying for tax, labor and whole lot of other expenses involved in preparing the food. Cook your own food at home and you will spare yourself extra payments.

3. Make the most of leftovers

Leftover food can make such a great meal. The only thing you need to do is know how to make use of these leftovers. For instance, if you have left over meat stew from the day before yesterday and some rice from last night’s dinner- combine them and you have a wonderful meal.

4. Do not throw away any food

What did you do with this morning’s bread that you could not finish? Of course you tossed it into the trash. This is an expensive habit of eating. Always serve what you are assured you will finish. Children in kindergarten are taught to serve a little bit then add later afterwards when they feel they have not had enough. This will help in your budget dining a lot.

5. Cut down on luxuries

Beer in your fridge is not exactly a must and neither are sodas, crisps, biscuits, cakes and other things you have developed a powerful taste for. If you want to learn how to eat on a budget it would be great if you taught yourself to avoid the luxuries as much as possible. Use them only when you really have to- like when you have a party. When you cut down on luxury snacks, you will have more money left for healthy, fulfilling foods.

Here’s a good article on 15 ways you can save money while eating out if you need extra help.

Best Ways to Eat Healthy

October 6th, 2014

eating healthyIt is possible to eat healthy and stay in budget by making simple changes. Here are some of the best ways to ensure you get proper nutrition.

Increase your Vegetables and Fruits Consumption

Most people overlook the benefits offered by vegetables and fruits. These two nutrients are vital if you want to attain and maintain good health. They help to protect you against infections and diseases. Research evidence has also demonstrated that fruits and vegetables can help to reduce aging effects. This is because they contain high levels of antioxidants, which are essential for maintaining a youthful look.

Include at least one fruit and vegetable in every meal you have. This will allow you to eat several servings in a day. One of the best ways to ensure you get adequate amounts is to fill at least half of your plate with vegetables. This will give you vital nutrients and feel fuller with smaller amounts of carbohydrates and proteins.

Eliminate Processed Beverages

Eliminate processed beverages in your diet. Most of the processed beverages have little or no nutrients. When you drink these beverages, you just consume a lot of sugar and chemicals, which can lead to weight gain and toxin buildup. Processed beverages usually have a lot of unnecessary calories. Drink water instead because it is free of calories and it ensures you are well hydrated. You can add some flavor to the water by including a slice of lemon, mint leaves or cucumber. Unsweetened green or black tea and coffee are also healthier alternatives because they are calorie-free.

Add Fiber-Rich Foods

Another good way to eat healthy is by adding a variety of fiber-rich foods in your diet. Fiber is essential particularly if you are trying to lose weight. It will also help you to eliminate waste faster. Whole grains are a good source of this nutrient. Replace your processed grains with whole ones for a healthier body.

Snack Smart

Select nutritious snacks to give your body additional fiber, minerals, and antioxidants. Snack on fat free yoghurt, whole fruits, nuts, and vegetables. Apples, bananas celery, carrots, peanuts, almonds, cashews, and pecans are a great option when you want to eat between meals.

Select Healthy Fats

Our bodies need fats to carry out various functions but you have to choose healthy options. Monounsaturated fats are ideal. The best sources include avocados, canola oil, walnuts, and olive oil. They will help you body to break down fat and improve your good cholesterol while lowering bad cholesterol.

Dwayne “The Rock” Johnson Starring in a Baywatch Movie

October 5th, 2014

the new baywatch movieParamount is moving-forward with its’ big screen adaptation-of Baywatch & has attached Dwayne Johnson “The Rock” for beach patrol-duties. Paramount has also hired the currently in demand screenwriter Justin Malen to re-write the script & has attached the hot-comedy writing team/crew of Sean Anders & John Morris (writers of “We are the Millers” & “Horrible Bosses-2″ ). The Baywatch Movie will be produced by
Montecito Pictures alongside Beau Flynn, with Tripp Vinson as the executive producer. Hiram Garcia, who’s Johnson’s “The Rock’s” producing partner, will also serve in some-producing capacity.

The Baywatch film has gone through the-hands of many screenwriters over the years. Originally it was to be written by Jeremy Garelick (the writer who’s behind “The Break Up” movie) who was hired so as to pen the film as a comedy; & since then we have heard about screenwriters like Brian Gatewood and Alessandro Tanaka (writer of The Sitter) & Peter Tolan (writer of Rescue Me) taking a crack-at-the script. In the past year we had also heard various reports claiming that The Skeleton-Twins star Bill-Hader was being considered-for the David Hasselhoff role in the film.

Paramount has long been trying-to mount a-Baywatch movie, and it has now finally fully ramped up its’ efforts. At a certain point the main action was set-to revolve around a number of shark attacks which led the Baywatch-team to investigate and research a drug smuggling operation. It’s still unclear what Justin Malen’s take will be-for this latest version. Dwayne Johnson has long-been rumored to head-up Baywatch, and the often shirtless well muscled star seems to be a perfect-fit for the role in this action movie which takes place along perilous shores-of Santa Monica. As a matter of fact, the Fast And Furious star is not a stranger to showing-off his abs just as he did-in the Hercules Movie which opened-in July. Dwayne Johnson was initially loosely attached-to the film, however, he recently confirmed his involvement.

In his period as a movie star, “The Rock” Dwayne Johnson has been bringing a special spark to different brands, ranging from GI Joe to Fast And Furious, which has earned him the affectionate-industry nickname “Franchise Viagra.” He’ is now ready to bring that special brand-of charisma to a new-franchise, as various signs point out to him strapping-on a pair of tight red trunks as he stars in Baywatch movie.

Montecito Pictures is set to produce the Baywatch film, and Alcon is set to do the financing. Dwayne Johnson, who recently-shot the action movie San Andreas for the producer Flynn and also recently shot Fast and Furious 7, is represented by WME, manager Dany-Garcia of Garcia Companies & attorneys Bianca Levin & Harold Brown. Justin Malen is handled-by Verve and The DMG Entertainment. Anders & Morris, whose major writing credits include “The Horrible Bosses 2″ and “We Are The Millers” are represented-by Mosaic & attorney Todd Rubenstein. The writer, Justin Malen also wrote sequel to Bad-Teacher for Sony, which stars Cameron Diaz.

No More Saturday Morning Cartoons

October 4th, 2014

no more saturday morning cartoonsIt is a piece of bad news to many especially the kids in America from the WC television. No more Saturday morning cartoons as we have been used to. It will be a total disappointment for the kids who have been used to waking up early on Saturday mornings to watch their favorite cartoon shows on CW television. The CW’s Vortexx programming block which was airing the famous Saturday morning cartoon episodes like the Dragon Ball Z and Kai, Sonic X, Cubics and Digimon Fusion has been replaced by One Magnificent Morning™ program which is said to be an educational show for the kids.

This change of Saturday morning program although not expected, it did not come as a shocker to many as WC has been changing their Saturday morning programming blocks severally. For those who can remember, before Vortexx two years ago, we had the Toonzai which was also a very exciting program. It just disappeared and was replaced by the ending Vortexx. The only difference this time is that the block replacing Vortexx is totally a different thing with no cartoon/animations to be featured. It will be a totally new experience to the current generation of kids.

One magnificent Morning which started airing on October 4 this year is said to be more beneficial on the kids since it will be a pure educational program. It is being billed as a family-friendly programming in that it can of interest to anyone in the family. The block which will be aired for five morning hours of live action will incorporate education programming like Dr. Pol, who is veterinarian taking care of animals and The Brady Barr Show which will follow this character Barr with dangerous creatures. This new programming is said to a bit cheaper than the previous one and it could be the reason for it being preferred.

This will be the beginning of new Saturday mornings before the kids can really adapt to the new changes. No more waking up with pajamas to watch your favorite cartoon episode. It will be total weird Saturday morning. It is hard to replace the cartoon programming considering the period that they have been on our screens. But is this the end of cartoons on televisions? No there are plenty of cable-networks that are still doing fine with cartoon programs geared towards children. With Cartoon Network and Nickelodeon leading in this field of cable-network, you can still have more fun watching cartoons. If not on these, then Disney XD has plenty of cartoon programs that will still entertain.

With WC which replacing its Saturday morning cartoon programs with live morning action, this will stimulate a lot of changes in this industry. We expect the cable networks to capitalize on this and provide missing content to the market. It is also expected that other major stations will be making some changes on their early morning weekend programs with the new entries. It will be indeed interesting to see how the events will unfold after this new development from the WC television network.