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Financial Goals Investing: Start small, but start now! $2,000 can turn into almost $100,000 after 40 years (at 10% return a year). Investing in stocks can help you pay for your biggest goals. That 10% average increase may not sound like much, but given time, this interest compounds to produce incredible returns. Imagine someone told you that you could turn $2,000 into $100,000 with no work whatsoever? It sounds too good to be true, but it’s completely possible if you understand compound interest (which will be discussed in the next lesson). The key element to remember here is time. The longer you have your money invested, the more powerful compounding becomes. That means the younger you get started, and the more patient you are, the greater returns you will reap in the future. However, you don’t need $2,000 to get started. You can start small and keep adding to your investment over time. You’ll be amazed how quickly your investment can grow. In fact, if you added $100 a month to that i...

Three Steps To Saving Every dollar is an investment in the quality of your life. Build a cash cushion of 3-12 months of income before you invest. Track your spending by writing it down or using online tools to help you. Having a cash cushion is an important step before you start investing. Though it’s natural to want to jump right in and get your money in the market, this can be dangerous. A successful investor understands that over the short term your investments may lose money. We recommend a long-term buy and hold philosophy when it comes to investing. If you put all your cash into the market, you may end up needing it in the near future. The market could be down at that stage, meaning you’ll have to sell your investments for a loss. If you have a cash cushion, you can leave your investments intact and wait for a recovery. You should therefore try to build up a cash cushion of at least three months salary. This may sound difficult, but it’s easy to train yourself to save money, and ...

Company Culture Company culture refers to a company’s overall philosophy - how it treats its customers, how it rewards its employees, how it deals with environmental issues. Studies have shown that companies with good culture greatly outperform the market. Websites like Glassdoor.com can give you great insights into a company’s culture.  Ask any Wall Street analyst what they look for in a good investment and they’ll rattle off earnings figures, growth numbers and ratios until you find a reason to excuse yourself. Of course, financial analysis is also important in choosing the right companies to invest in, but something that is very often overlooked is company culture. Company culture covers so many aspects of a business; from its overall philosophy, to how it treats its customers, to how it rewards its employees - and it’s far more than just a nice idea. A recent study by Glassdoor.com found that company culture is incredibly important when it comes to returns for investors. The st...

Balance Sheets Balance sheets may appear complicated at first, but a few key figures can give you a good idea of a company’s financial health. In general, you want to see cash increasing, while debt and total shares should be decreasing. If something appears unusual, investigate a little deeper - it’s important to understand the companies you are investing in. Each quarter, every public company is required to release a number of financial documents to give investors an overview of how the company is performing. One such document is the balance sheet, which lists all the company’s assets and liabilities. You can find this on the company’s website (usually under Investor Relations) or on financial websites like Yahoo Finance. Many people get scared off by the prospect of having to read financial documents, but it doesn’t take a degree in business to be able to understand a few key figures. The first time you look at one, you may be overwhelmed, but as you grow as an investor, you’ll grow...

Risk Versus Reward Risk is the price you pay for returns. A diverse portfolio should include some risky investments along with safer large-caps. The younger you are, the more risk you should be willing to take. Having a diverse portfolio means more than just picking stocks from different sectors. You have to be willing to balance those big companies with more risky investments. That will depend a lot on your tolerance for risk, something your age should play a big part in. The younger you are, the more risk you should be willing to take when it comes to investing. Someone in their early twenties has another four decades to make money, as opposed to someone in their late fifties, who is gearing up for retirement. Peter Lynch, one of the greatest investors of our time, coined the phrase “ten bagger.” This is a stock in which you make ten times your original investment. It sounds crazy, but actually these are fairly common in the world of investing. The problem is that you have to be will...

First Glance Invest in companies that you understand and believe in. Use your own knowledge and that of your friends and family to discover great investing opportunities Once you have a few companies in mind, you have to dig deeper to ensure they are well run businesses before investing. The following chapters will give you some insight into how you can find great companies to invest in. These chapters are here to guide you as you start to think like an investor. Before you actually buy shares, you’ll need to do a little more research to ensure they are well run businesses. Peter Lynch is widely regarded as one of the best investors of all time. He coined the idea of investing in what you know. This mantra is central to the MyWallSt investing philosophy, but we take it one step further and say: “Buy what you believe in.” As a consumer, you’ve spent your whole life interacting with businesses, whether it be large multinationals like Coca-Cola or your local grocery store. Your first step...

. An Old Man Lived in the Village An old man lived in the village. He was one of the most unfortunate people in the world. The whole village was tired of him; he was always gloomy, he constantly complained and was always in a bad mood. The longer he lived, the more bile he was becoming and the more poisonous were his words. People avoided him, because his misfortune became contagious. It was even unnatural and insulting to be happy next to him. He created the feeling of unhappiness in others. But one day, when he turned  eighty years old , an incredible thing happened. Instantly everyone started hearing the rumour:   “An Old Man is happy today, he doesn’t complain about anything, smiles, and even his face is freshened up.”   The whole village gathered together. The old man was asked: Villager: What happened to you?   “Nothing special. Eighty years I’ve been chasing happiness, and it was useless. And then I decided to live without happiness and just enj...

Sales Growth Don’t compare this month’s sales to the previous, compare them to the same month last year. Scope out companies experiencing 15% year over year (YOY) sales growth. You can find YOY sales figures in a company’s quarterly earnings report. Grow, stock, grow! For your investment to grow, the company’s sales have to grow. And just like other criteria we use when looking at stocks to buy, we think it’s important to set a benchmark for the minimum year over year (YOY) sales growth. While 12% is a pretty impressive number, we here at MyWallSt say shoot for the stars and scope out companies experiencing 15% YOY sales growth. “How do I Figure out This Percentage?” (Current Period Sales – Previous Period Sales) ÷ Previous Period Sales = Year Over Year Percentage Sales Growth (Multiply that final number by 100 or just move the decimal point two places to the right to get the percentage) "How Can I Use This Formula?" Businesses can be seasonal, so if a company is doing more s...

Margins Margin accounts allow investors to buy stocks using borrowed funds. Margin is a cash cow for brokers, but can cost an investor a lot in interest. A broker can force you to liquidate your margin positions before you are ready to sell. After you’ve been with your broker for a while, they may offer you the chance to buy stocks on margin. A normal cash account only lets you buy as much stock as you have cash on hand to pay for. A margin account lets you purchase stocks with borrowed money. Cue the red flags and warning sirens! While margin accounts can increase your returns, they also greatly increase your risk. “But my broker suggested margin!” No surprise there. Brokers stand to make a lot of money off margin accounts. How? By charging interest on the borrowed funds. And since margin gives you more (borrowed) money with which to buy stocks, it generates greater commission fees. Don’t bite if you’re told that margin accounts increase your "buying power." Buying on margin...

Benjamin Graham  (1894-1976) was great at making for himself and his clients, without taking any big risks. He created and taught many principles of investing safely and successfully, that is used by modern investors till today. Graham was a famous author, amongst which the ones that received great appreciation were – “Security Analysis” (1934) and “The Intelligent Investor” (1949). He was one of the first to solely use financial analysis to successfully invest in stocks. He also helped in drafting many elements of the Securities Act of 1933, also known as “The truth in Securities Act”. All of this made Graham’s work more efficient and financial analysis easier, and this new pattern was a huge success

Growing Industry A rapidly changing world brings new challenges and opportunities to businesses. Long-term investors can take advantage of shifting global trends and emerging technologies Be careful not to get caught up in overhyped stocks. The world is changing faster than ever before. This brings new challenges and, with them, new opportunities for great businesses. New industries are popping up everywhere and a flurry of startup companies are competing for a share in the profits. A megatrend company is a leader in the industries of tomorrow, whether it be green energy, organic food, or even robotics. When we say you should buy what you believe in, that includes buying into the world you think is ahead of us. Good investors should always be forward thinking. Remember, we’re investing with a 5-10 year outlook. What will the world look like in ten years? Will McDonald’s still be the biggest fast food chain in the world, or will healthier alternatives continue to steal their market shar...

When To Sell It’s impossible to know the perfect time to sell. Deciding when to sell is a much harder process than deciding when to buy. If you believe you own part of a great business, don’t sell. “No one rings a bell at the top and no one rings a bell at the bottom” is an old saying on Wall Street. That means it’s impossible to know when a stock has hit the bottom or when it’s hit the top. We’ve already covered when you should buy a stock, but often much harder in the process is deciding when to sell a stock. The best stocks are the ones you never want to sell. If you buy a good company at a good price, the value will continue to increase over your lifetime. Then the only question you have to ask yourself is do I want to realize some of those gains in order to buy something else, like a house or a new car. Other times, we may believe some of our own stocks are overvalued and decide to sell in order to move that money into an undervalued stock. However, that doesn’t always happen and ...

What is a Broker? You need a broker to buy and sell shares on your behalf. A brokerage account is like a bank account for investing. Discount brokers provide cheap trading, but without the advice. So you’ve decided to become an investor, but how do you go about actually buying shares? Actually, legally, you can’t. Shares can only be purchased by a licensed professional called a stockbroker. These are licensed and accredited professionals who ensure that trades are conducted with all the necessary legal and regulatory procedures. A stockbroker will buy and sell shares on your behalf in exchange for a fee. Stockbrokers, therefore, act as a middleman between investors and the market. Much like if you’re feeling unwell, a doctor provides you a prescription, and the pharmacist fulfills that prescription. This is essentially the function of the stockbroker. In the past, stockbrokers charged high fees and usually insisted on minimum deposits that were outside the realm of the average worker. ...

Your First Stock No one can time the market, so don’t bother trying. Invest when you have the funds to do so in a company you will enjoy following. Large-cap bedrocks are a safe first investment to get you started. So many early investors feel like they need to wait for the right time to get into the market. Everyone fears the next downturn and there is a constant worry that the day they buy their first stock will be the day that everything will come crashing down. The great thing about this problem is that it’s actually a pretty easy thing to fix. Step 1: Don’t worry and invest when you have the money to do so. And that’s it. Always remember this when you feel the need to hold back or wait and see: Time in the market is a lot more important than timing the market. The reason you shouldn’t worry about timing the market is a fairly simple one. You can’t. No one can. Not even the greatest financial scholar or the highest paid Wall Street advisor. If you listen to the talking heads and st...

Compound Magic Compound interest is when the money you earn starts earning money. Compounding is the easiest way to become wealthy. The sooner you begin investing, the more time your earnings have to compound. Compound interest is an investor’s best friend. Compounding is simply when the money you earn starts earning money. This means your stash is growing faster than if you were simply adding a lump sum every month. So many people say “I can’t afford to start investing.” The truth is, you can’t afford not to start investing, because time is the issue here, not money. Compound interest is the real silver bullet when it comes to growing your wealth and the earlier you start, the more powerful it becomes. A certificate of deposit (CD) or a government bond over time might give you 5% per year. A 10% annual return is the historical average for the stock market. And 15% is what you could get if you learn how to pick your own stocks and take advantage of the skills MyWallSt teach...

A stock is a piece of ownership in a company. In the short-term, share price changes based on the fickle opinion of the masses. In the long-term, a company’s true value is reflected in its share price. More than just a slip of paper (or a computer record these days), a stock is a stake in a living, breathing business in which you share the rewards and the risks alike. In order to raise capital, companies issue stocks for sale to the general public, which are then traded as the value rises and falls. Stocks are traded on various exchanges all around the world, the largest being the New York Stock Exchange (NYSE). In the short term, a share price moves based on the opinion of the crowd: those people looking to buy or sell. When there are more people looking to buy, up the price goes. This is usually fickle, because the news of the day influences what the world thinks about certain stocks. Over the long term, however, a company’s true value is reflected in its price, that’s wh...

A glass of milk paid in full.       One day, a poor boy who was selling goods from door to door to pay his way through school, found he had only one thin dime left, and he was hungry. He decided he would ask for a meal at the next house. However, he lost his nerve when a lovely young woman opened the door. Instead of a meal he asked for a drink of water. She thought he looked hungry so brought him a large glass of milk. He drank it slowly, and then asked, “How much do I owe you?” “You don’t owe me anything,” she replied. “Mother has taught us never to accept pay for a kindness.” He said, “Then I thank you from my heart.” As Howard Kelly left that house, he not only felt stronger physically, but his faith in God and man was strong also. He had been ready to give up and quit. Year’s later that young woman became critically ill. The local doctors were baffled. They finally sent her to the big city, where they called in specialists to study her rare disease. ...

1.)A poor boy and a dog             few days ago I landed at the Bombay Airport (India) and took a cab to my scheduled destination in South Bombay. I was enjoying the busy traffic with people rushing in every possible directions then we got stranded at a very busy intersection. As we waited for the signal to turn green, my eyes met up with a poor young boy, about 12 years old. He removed a piece of bread from his pocket and took a bite. As he was about to take his next bite, a stray dog wagged his tail looking at him. Without hesitation, he sat down and put the bread on the road for the dog to eat. The dog sniffed the bread and walked away. The boy waited until he was sure the dog was gone then he picked up the bread and ate it! My heart cried and wanted to walk up to the boy but before I could open the door the signal turned Green and our car drove away. I kept thinking about the boy and later during my evening meal I realized that I ...

1.Studies show that child’s attractiveness increases with age from birth up to the age of 9-11 months and then decreases again.  Children with large eyes, small mouths, noses and a large forehead are assessed as cute.                                             2.Being happy doesn’t mean that everything is perfect. It means you’ve decided to look beyond the imperfections.                            3.Most of the intelligent people have bad hand-writing.This is because they tend to think faster which results as if letters are floating on the notebook.        4.While very heavy pen pressure during writing can suggest tension and anger, moderately heavy pressure is a sign of commitment.        5.The Bible was written by over 40 authors over a period of...

There are some book best for beginners or under 10year age.                             1.alica in wonderland.            2.Harry Potter series.              3.gullivers travel.                      4.aesop fables.                        5.call of wild.                            6.arabian nights.                      7.robinhood.                            8.around the word in 80 days.                                          ...

yoga are a word ordinate from sanskrit language which meaning is union of body. yoga is a mental, spiritual and physical practice that originate from India. First yoga day was announced by pm of India Narendra Modi in general assembly in 2014 and first international yoga day was happen in 21june 2015.yoga introduce in America in 18 century. there are 196 yoga poses.yoga are 5000 years old practice according to rigveda. yoga make you feel and stay healthy and happy

comet atlas was be told that bringtest Comet of decade according to Forbes but we all it was not at all comet atlas discovered in 31 December 2019 and preheleon at 31 may this year there are lots of excitement for that phenomena event but just a week before preheleon comet atlas are breaking down in many parts you see this picture from Hubble telescope below                       comet are ice rock when it comes closer to sun it's heat are responsible for breakdown of icy rock it's only reason of comet atlas failure

first solar eclipse of year 2020 we are lucky enough to see it these time these phenomena event in 21 June and eclipse start from 9.15 am to 3.10pm it's durations was over 5 hours some precautions are used while it doesn't see solar eclipse with naked eye use sunglasses.     Happy hunting 

bird watching  are most famous free time hobby of many people some young teenager are also taking interest on this hobby today I will told how you become a good bird watcher let started                                         first step was to go out from your home and look at some tree occupied area          second step was to buy a native bird guide or for my opinion install any bird watcher app from play store.                                           Third step was to buy a binocular go at that area that you find near you have many number of tree find some birds.                                 Fourth step was to be patient in bird wa...

Insects are the one of the most beautiful and unique things in the nature created at that way many people take insects as a pet but they don't know how to preserve them today I told you about making insects aquarium with using waste material  firstly take  a bottle (empty plastic bottles) go outside the house and find Grable and sand decorate them from it then find small pieces of wood for hiding place for your insect and fix all above are in empty bottle and make small hole on bottle cap and wall then unleashed your insect on his new how                                                    thankyou for reading