Calculating Fair Value With Growth Our investing journey revolves around finding the fair value of a common stock If you can find stocks that are cheaper than its fair value, it is probably a buy If your stock holding rises way above your calculated fair value, it is most likely a sell This fair value is not constant, fluctuating due to several factors from interest rate movement and to commodity prices Previously, I stated that the fair value (selling price) of a stock is when its P/E ...

Fair Value With Negative Growth Our investing journey revolves around finding the fair value of a common stock You can invest in companies that grow rapidly and lose money On the other hand, you can also invest in companies in a declining industry, yet you can still make money Investing profitably does not merely depend on what you invest in, but rather how much you pay for a given company Therefore, let's look at company with negative earning growth How do we value them? For a 0% ...

Why Invest In Stocks? Have you ever wondered why investors behave the way they do? For example, why do people invest in bonds or stocks or not at all? Since I am an advocate of stock investing, let me make the case for stock investing So, why invest in stocks? No, I won't just invest in any kind of stocks There are goals associated with investing in stocks For starter, stock investors would want to be compensated more than if they put their money in the bank ...

Tips For How To Apply For A Credit Card There are many people young and old that are in great need of a credit card This can be for many reasons Some people need help with bills that they don't have the cash for Others want a credit card so they don't have to carry cash Some people need one to go on vacation Whatever the reason is, most people feel they need a credit card Unfortunately, credit cards are not handed out like candy Most ...

Bad Credit Record And Property Investment When I first moved up to Johannesburg and my career was just starting to flourish many years ago, I heard of and spoke to a number of people in a relatively short period of time with above average salaries who had lost everything and had to start over at a somewhat more mature age I thought they were just stupid and never gave much thought to it, because it would never happen to me Well, as Forest Gump says "It" ...

How Do I Know Whether Or Not I Will End Up Saving Money When Refinancing My Home Loan? To save money, you must live in your house longer than the "break-even period" - the period over which the interest savings just cover the refinance expenses The larger the spread between the new interest rate and the rate on your existing loan, the shorter the break-even period The more it cost to get the new loan, the longer the break-even period But be careful The break-even period is ...

Are Social Security Private Accounts A Good Deal Or Raw Deal For African Americans? Whew! I almost wrote a really long article about the Social Security System and what it means to Black folks Fortunately,I fell asleep while writing it just like you would have reading it Ican't think of anything more boring then an in depth analysis of what is wrong with Social Security I think that one thing the under 40, Black American, internets savvy crowd already knows is that the system is in trouble ...

Money Grows On Trees I have this odd but simple philosophy It is that money really does grow on trees Now I know that many of you are saying, you got to be out of your mind Either that, your breathlessly waiting to here where you can find your trees But, in this case, the tree is a metaphor for something much bigger Let's think about something real first The apple tree is a fruit-bearing tree How many of you think that you can eat apples without ...

The Three Factors Of Credit-worthiness Between the Internet, well-meaning family and friends, and know-it-all articles in the print media, it's hard to know where the facts end and the nonsense begins Facts are everywhere, but so are urban legends, hidden agendas, and opinions posing as truth Fact or fallacy - it can be devilishly hard to tell the difference It's all about risk Lenders are anxious to lend It's what they do and it's how they make a profit But they are every bit as anxious ...

Stock Tip Day Trading Tips Stock Market Education Stock tip DAY TRADING TIPS Stock Market Education - By HotInPlayStockscom The stock market can present you with a lot of hot stocks every day Many of them are new technology stocks that come from the nanotech, biotech, voip, healthcare, homeland defense or internet sectors Most of them may seem promising, but the truth is that a good number of these trading investing opportunities are extremely risky, while others are not as good as they seem That's why it's very ...