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5 C'S OF CREDIT investing wednesday word of the week Jan 09, 2019

Definition

The 5 C's of Credit is a system that lendors use to determine your creditworthiness.  
The 5 C's are:

Character
Capacity
Capital
Collateral
Conditions


Why It's Important

Having all of your "C's" in great shape increase your chances of getting loans and/or better interest rates.  

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401K 401k investing wednesday word of the week Jan 02, 2019

Definition

A 401K is a retirement plan offered by most companies to help you save and invest for the future.

Why It's Important

I hope that everyone reading this is contributing to their 401K at work if they have one available (especially if the company matches).  There are two types of 401Ks,...

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MY 2019 FINANCIAL BENCHMARKS AND RESOLUTIONS Jan 01, 2019

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Wow!  Sitting down with these numbers is both empowering and depressing.  LOL!  I mean the massive amount of debt that I have taken on between school, cars, and business expenses, it's amazing!  I use this blog for motivation and accountability so...

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WEDNESDAY WORD OF THE WEEK RECAP Dec 31, 2018

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It's the end of the year and if you are subscribed to my newsletter, you know that I send a financial word of the week every Wednesday!  It is a financial term that you should know and will be helpful on your financial journey.  The whole purpose of my blog is to educate and improve...

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BEAR MARKET investing wednesday word of the week Dec 26, 2018

Definition

A bear market is when stocks see a 20 percent decline or more from a recent high.   

Why It's Important

The S&P 500 officially hit bear market status on Monday, dropping 20 percent from its 52-week high. Historically, these periods last about 13 months on...

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PENNY STOCKS investing wednesday word of the week Dec 19, 2018

Definition

Penny stocks are stocks that are trading below $5.00 a share. They are highly volatile. 

Why It's Important

Investor beware!  Penny stocks have the potential to make investors a lot of money they also expose investors to a lot of risk.  They key to penny stocks is...

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I AM BACK Dec 16, 2018

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Has it really been three months since my last post?  Man, time flies!  I had to step away because my final semester got really crazy.  I felt like I was on the verge of failing and I kept thinking to myself, I did not come 2 years to not graduate on time.  Well, the good news...

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MARGIN investing wednesday word of the week Dec 12, 2018

Definition

Margin is when brokers (Charles Schwab, TD Ameritrade, etc.) lend money to investors to make trades (think of credit) so they can leverage their assets to make more money.

Why It's Important

Investor beware!  Although using a margin account has the ability to make you more money, it...

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DIVIDEND YIELD investing wednesday word of the week Dec 05, 2018

Definition

The dividend yield represents the ratio between the stock price paid and the dividend paid. A stock trading at $100 per share, with a dividend that amounts to $5 per year, you would divide the $5 by $100 and turn it into a percentage. In this case, the yield would be 5%.


Why It's...

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ARBITRAGE investing wednesday word of the week Nov 07, 2018

Definition

Arbitrage is the simultaneous purchase and sell of an asset to profit from the imbalance in price.  Using this strategy, takes advantage of price inefficiencies in the market.

Why It's Important

Arbitrage opportunities provide a way to collect high returns with little to no cost to...

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THE POWER OF BUDGETING Sep 30, 2018

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If you have been keeping up with my finance blog, you know I love to budget! It gives you a sense of control when it comes to your money. I believe in doing a zero-based budget. This means your income will always equal your expenses. With this type of budgeting, you are telling your...

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ANOTHER SETBACK! Sep 27, 2018

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A couple of weeks ago, I came outside to yet another flat tire.  What the heck?!  It seemed like every week a tire was going flat on my car.  I knew when I bought the car I would have to get new tires (that was one aspect I used to negotiate the price down), but I didn't think it...

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