#finance for beginners

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Investing for Beginners

Fundamentals of investing:

What’s the REAL Rate of Return on the Stock Market?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

The Dark Magic of Financial Horcruxes: How and Why to Diversify Your Assets

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Booms, Busts, Bubbles, and Beanie Babies: How Economic Cycles Work

When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation

Investing Deathmatch series:

Investing Deathmatch: Managed Funds vs. Index Funds 

Investing Deathmatch: Traditional IRA vs. Roth IRA 

Investing Deathmatch: Investing in the Stock Market vs. Just… Not 

Investing Deathmatch: Stocks vs. Bonds 

Investing Deathmatch: Timing the Market vs. Time IN the Market

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market 

Investing Deathmatch: What Happens in a Bull Market vs. a Bear Market 

Now that we’ve covered the basics, are you ready to invest but don’t know where to begin? We recommend starting small with micro-investing through our partner Acorns. They’ll round up your purchases to the nearest dollar and invest the change in a nicely diversified portfolio of stocks, bonds, and ETFs. Easy as eating pancakes:

Start saving small with Acorns

Alternative investments:

Small Business Investing: A Kinder, Gentler Alternative to the Stock Market 

Bullshit Reasons Not to Buy a House: Refuted

Investing in Cryptocurrency is Bad and Stupid

So I Got Chickens, Part 1: Return on Investment

Twelve Reasons Senior Pets Are an Awesome Investment 

How To Save for Retirement When You Make Less Than $30,000 a Year

Understanding the stock market:

Ask the Bitches Pandemic Lightning Round: “Did Congress Really Give $1.5 Trillion to Wall Street?”

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?” 

Money Is Fake and GameStop Is King: What Happened When Reddit and a Meme Stock Tanked Hedge Funds

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”

Wait… Did I Just Lose All My Money Investing in the Stock Market?

Season 4, Episode 1: “Index Funds Include Unethical Companies. Can I Still Invest in Them, or Does That Make Me a Monster?” 

Retirement plans:

Dafuq Is a Retirement Plan and Why Do You Need One?

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over

How to Painlessly Run the Gauntlet of a 401k Rollover

Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”

Workplace Benefits and Other Cool Side Effects of Employment

You Need to Talk to Your Parents About Their Retirement Plan

Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?” 

Got a retirement plan already? How about three or four? Have you been leaving a trail of abandoned 401(k)s behind you at every employer you quit? Did we just become best friends? Because that was literally my story until recently. Our partner Capitalize will help you quickly and painlessly get through a 401(k) rollover:

Roll over your retirement fund with Capitalize

Recessions:

Season 1, Episode 12: “Should I Believe the Fear-Mongering about Another Recession?”

There’s a Storm a’Comin’: What We Know About the Next Recession

Ask the Bitches: How Do I Prepare for a Recession?

A Brief History of the 2008 Crash and Recession: We Were All So Fucked

Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”

[coven-of-genesis]

3 tarot spreads for career & finances

Here are three tarot spreads specifically designed for career and finances:

Career Path Spread: This spread helps you gain insight into your career path, explore your strengths, and uncover potential opportunities for growth and advancement.Card 1 (Current Situation): Represents your current career situation and where you stand. Card 2 (Strengths and Skills): Reveals your unique strengths and skills that can contribute to your career success. Card 3 (Challenges): Highlights the major challenges or obstacles you may face in your career. Card 4 (Opportunities): Indicates potential opportunities or areas of growth in your career. Card 5 (Advice): Provides guidance and advice on how to maximize your career potential. Card 6 (Outcome): Shows the potential outcome or direction of your career if you continue on your current path.

Financial Outlook Spread: This spread focuses specifically on your financial situation, providing insights into your current finances and offering guidance on how to improve your financial well-being.Card 1 (Current Financial Situation): Represents your current financial state and where you stand. Card 2 (Income): Reveals factors or influences affecting your income and financial stability. Card 3 (Expenses): Highlights areas where you may be overspending or potential financial drains. Card 4 (Savings and Investments): Provides insights into your savings habits and investment opportunities. Card 5 (Financial Challenges): Indicates the major challenges or obstacles you may encounter in your finances. Card 6 (Advice): Offers guidance and advice on how to improve your financial situation. Card 7 (Outcome): Shows the potential outcome or direction of your finances if you follow the given advice.

Decision-Making Spread: This spread is useful when faced with a specific career or financial decision, helping you weigh the pros and cons and make a more informed choice.Card 1 (Current Situation): Represents your current career or financial circumstances. Card 2 (Options): Reveals the available options or choices you have. Card 3 (Pros): Highlights the positive aspects or potential benefits of each option. Card 4 (Cons): Indicates the negative aspects or potential drawbacks of each option. Card 5 (Advice): Provides guidance and advice on which option may be the most beneficial. Card 6 (Outcome): Shows the potential outcome or consequences of each option.

Remember, tarot readings provide guidance and insights, but the final decisions and actions are ultimately up to you.

These spreads serve as tools to explore your career and financial situations further and make more informed choices.

[titumizan]

Make Money Online

[iris-2212]

skyscraper

[kc22invesmentsblog]

Demystifying the Bull and Bear: Understanding Market Trends

In the world of finance and investing, terms like “bull market” and “bear market” are frequently thrown around. But what do these terms really mean? Today, we’ll dive into the fascinating world of market trends and gain a clear understanding of these commonly used phrases. Bull Market: Riding the Wave of Optimism When we hear the term “bull market,” it signifies a period of rising stock prices…

[signode-blog]

10 Movies on Stock Markets You Should Watch

The world of stock markets is full of drama, intrigue, and high stakes, making it a captivating subject for movies. I would recommend you to watch these movies on stock markets. Here are 10 films that offer a glimpse into the thrilling world of finance: The Big Short (2015) “The Big Short” is a 2015 American biographical comedy-drama film directed by Adam McKay, based on the 2010 book “The Big…

[investmentorsec]

Everything you should know about Dividend Investing

Dividend investing is a strategy where investors purchase shares of companies with a history of paying dividends to their shareholders. A dividend is a portion of a company's earnings that is distributed to its shareholders, typically on a regular basis, often quarterly. These payments provide investors with a steady stream of income, making it an attractive option for those looking to supplement their earnings.

Benefits of Dividend Investing:

1. Steady Income: Dividend investing offers a consistent source of income, which can be especially appealing for retirees or anyone seeking financial stability.

2. Compound Growth: Reinvesting dividends can supercharge your returns through the power of compounding, allowing you to grow your wealth over time.

3. Risk Mitigation: Dividend-paying companies tend to be more stable and mature, reducing the volatility in your portfolio.

4. Inflation Hedge: Dividends often increase over time, helping you keep pace with inflation and maintain your purchasing power.

How to Start Dividend Investing:

1. Research: Begin by researching companies with a history of consistent dividend payments. Look for established, financially stable companies in industries that interest you.

2. Diversify: Diversification is key to managing risk. Build a portfolio with a mix of stocks from different sectors to spread risk.

3. Dividend Yield: Pay attention to a company's dividend yield, which is the annual dividend payment divided by the stock's current price. A higher yield can mean more income, but be cautious of excessively high yields, as they may signal financial troubles.

4. Dividend Growth: Look for companies with a history of increasing dividends over time. This indicates financial health and a commitment to rewarding shareholders.

5. Dividend Reinvestment: Consider reinvesting your dividends back into the same stocks to take advantage of compounding.

Advanced Strategies:

1. Dividend Aristocrats: These are companies with a history of increasing dividends for at least 25 consecutive years. They often make reliable long-term investments.

2. Dividend ETFs: Exchange-traded funds (ETFs) that focus on dividend-paying stocks can offer diversification and convenience.

3. Dividend Capture: Some investors engage in a short-term strategy called dividend capture, where they buy a stock just before the ex-dividend date to receive the dividend and then sell shortly after.

4. Tax Considerations: Be aware of the tax implications of dividend income in your country and consider tax-efficient strategies.

Monitoring Your Portfolio:

Regularly review your portfolio to ensure that your investments align with your goals. Keep an eye on company performance, dividend sustainability, and market trends.

Conclusion:

Dividend investing is a powerful strategy that can provide you with financial security and income. Whether you're just starting or looking to enhance your investment knowledge, mastering dividend investing can lead to a brighter financial future. Remember, success in dividend investing requires patience, research, and a long-term perspective. Start building your dividend portfolio today, and watch your wealth grow over time. Happy investing!

[logicalnivesh]

Although options trading is a bit more complex than stock trading, it helps make more significant profits when the security’s price rises and restricts losses when it goes down. Options in stock market are powerful as they can enhance a person’s portfolio through added income, leverage, and protection.

What is options trading?

Option trading allows traders to buy or sell stocks, ETFs, etc., at a specified price and within a specific date. It also gives the flexibility to wait to purchase the stocks at the decided price or date. Options trading allows investors to judge the future course of direction of the stock market or individual securities like bonds, stocks, etc.

When considering options trading, one should know what options are and their various types. If you are looking for tips and strategies for options trading for beginners, this article will help you find answers to each of your queries.

What are options?

Options are tradable contracts that give the bearer the right but not the obligation to buy or sell an asset at a predetermined price on or before the contract expires. Although options trading is a bit more complex than stock trading, it helps make more significant profits when the security’s price rises and restricts losses when it goes down. Options in stock market are powerful as they can enhance a person’s portfolio through added income, leverage, and protection. It can be used as –

Leverage – When the security price rises, options trading helps you grab more enormous profits as you don’t have to put down the total price of the share. It lets you have control over the shares without buying them outright.

Hedging – When the price of a share fluctuates, options trading protects the investor by allowing you to buy or sell the shares at a pre-determined price for a specified period.

Types of stock options trading

Options trading can be categorized into two types – call option and put option. Below is a detailed insight into the two categories.

Call options – When the underlying security rises in price, it gives the opportunity to buy. Call option allows the trader to buy stocks at a pre-determined price within a specified period. The price paid is the strike price, and the last date of exercising the call option is known as the expiration date.

There are two ways to earn profit from the call option: Close your position (sell the call option) when the asset’s price surpasses the break-even price and make the difference between the paid and current premium. Or you can buy the asset at the agreed strike price.

Put options – Unlike call options, where the trader has the opportunity to buy, the put option allows people to sell the underlying stock at the strike price on or before the date of expiry.

If you are willing to earn profits through put options, either close your position (sell the options contract) when the asset price is below the break-even level and make

the difference between the premium paid and the current premium. Or sell the underlying asset at the agreed strike price.

If the underlying asset’s price moves in the opposite direction to the desired call or put options, wait for the contract to expire, and your losses will equate to the amount you paid for the option.

Types of option trading strategies

There are multiple types of trading in the stock market. There are numerous options trading strategies, but if you are a beginner, you should initially be well-versed in these five for effective trading.

Long calls (Buying calls) – A bullish trader should take this strategy. When the price of an asset is expected to rise, you can buy a call option using less capital than the asset. Also, if the price falls, the losses are limited to just the premium paid and no more.

Long puts (Buying puts) – Bearish traders prefer this buying options strategy. It gives the holder the right to sell the particular stock at the strike price. Short selling is the only way a trader can benefit from this strategy.

Covered calls – This strategy is preferred during a moderate or neutral market. Out of all other option trading strategies, covered calls are one of the safest options trading strategies. Here the investor sells a call option while also owning the underlying asset.

Protective puts – It is a risk management strategy that guards against the downside movement of an asset. Although put options are a bearish strategy, protective puts are favored when the trader is still in a bullish trend but wishes to hedge against potential losses.

Long straddles – It is one of the best stock options trading strategies in the Indian stock market. Here the trader purchases both a long call and a long put on the same underlying stock having the same expiration date and strike price.

Profitability in options trading

There are various types of trading in stock market, but every kind has some profitability scenarios, which make it worth opting for. Below is a list of the three significant situations that may lead to profitable trading outcomes.

In-the-money option (ITM) – When the current index value is greater than the strike price, it is said to be an in-the-money option. It leads to a positive cash flow being exercised immediately.

At-the-money option (ATM) – When the current index value is equal to the strike price, it is said to be an at-the-money option. It leads to no profit and loss, i.e., zero cash flow being exercised immediately.

Out-of-the-money option (OTM) – When the index value is lower than the strike price, it is said to be an out-of-the-money option. It leads to a negative cash flow being exercised immediately.

[champstorymedia]

Navigate Tax Season Like a Pro: Essential Saving Strategies You Need to Know

As tax season approaches, many individuals find themselves feeling stressed and overwhelmed by the thought of filing their taxes. However, with the right strategies and knowledge, you can navigate tax season like a pro and maximize your savings. In this comprehensive guide, we will outline essential saving strategies that you need to know to make the most of tax season. From deductions to credits…

[thewealthystatus]

TODAY'S TOPIC: "Unlocking Financial Success: 15 Things Poor People Can Change for Wealth Building" is a dynamic and empowering video that serves as a comprehensive guide to transforming one's financial future. Hosted by 'Emma' on 'The Wealthy Status channel, the video begins with a motivational quote by Robert T. Kiyosaki, setting the tone for a journey towards financial abundance. The video delves into 15 common mistakes that hinder wealth-building, ranging from falling for the status trap to neglecting health and insurance needs. 'Emma' skillfully navigates through each point, providing insightful solutions and actionable tips to help viewers overcome these obstacles. The script emphasizes the importance of mindset, budgeting, and long-term financial strategies. Amidst these valuable insights, 'Emma' introduces a bonus tip – the perspective of viewing the lottery as a 'stupid people tax.' This thought-provoking addition encourages viewers to adopt strategic financial perspectives, such as investing and saving, instead of relying on luck. In the context of keyboards, the video does not directly mention them. However, viewers are urged to engage with the content by commenting 'Fire Up' if they resonate with the message. This interactive element enhances the sense of community and encourages active participation in the wealth-building journey.

[ipbbanking]

If you're looking for a chill way to grow your money, Index Funds might just be your new best friend!

In the episode 27 of our Personal Finance series, Mr. Jasbir Singh describes everything about the secret no-stress formula for investing.

It is tax-efficient, safest, and the simplest way to start investing as a beginner.

Click on the link to watch full video: https://youtu.be/3x0tX32EjfY

[passionatetraders199]

Mastering Trading: 3 Life Changing Benefits You Can't Afford to Miss

Honestly, trading is not a get rich quick scheme. 🤑 It's a skill that, when acquired rightly, has the potential to completely improve your life. It's all about making wise, smart choices, and with the appropriate strategy, trading may provide long term rewards.

Here are three compelling reasons why learning to trade correctly can change everything for you.

1. Building Financial Independence:

When you learn to trade, you don't have to rely on anyone else for financial success. In fact, trading allows you to control your own future. Whether you're studying trends or managing risks, you make decisions based on your goals, not someone else's. Take charge of your future. With the correct knowledge, you can take control of your financial position.

You are no longer at the mercy of the economy or other people's opinions.

Generate passive income: Smart investments can help you create income streams that work for you, even when you're not actively trading. It’s all about long term growth.

Honestly, the more you learn, the more you'll see how empowering financial independence can be.

2. Emotional growth and discipline:

Trading is more than simply data and trends; it is also about managing your emotions. The market may be unpredictable, and dealing with volatility necessitates patience and discipline. The principles you learn here can be applied to various aspects of your life.

Master your emotions: Successful traders understand that their mindset is equally valuable as their expertise. Learning to make decisions calmly and without emotional emotions is significant.

Acquire patience: Those who are willing to wait for the ideal opportunities can expect significant rewards. It's a skill that can be used in a variety of situations outside trading. Developing emotional resilience can transform your perspective on life.

3. Knowledge That Pays:

Learning the right way to trade is more than just guessing what will happen next. It is about developing a skill that will pay off for years. In fact, education is one of the most valuable assets you may possess. Stay ahead of the experience. With strong information, you can identify trends and opportunities early, providing you an advantage in your trading.

Multiply your skills: The knowledge you obtain from trading can be used to invest and manage your personal finances. Learning more might lead to greater success and confidence in making financial decisions.

Final Thoughts

Mastering trading is a journey, not a fast fix. However, the benefits of financial freedom, emotional growth, and education are well worth the effort. Stick with it, and you'll notice how trading may actually improve your life.

"We're Building This Together"

Success is more meaningful when we achieve it together, with each shared story and learned lesson. This is more than just trading knowledge it's about building a supportive community where we can openly share advice, experiences, and encouragement.

Remember, each of you brings unique value and respect to this community, and I'm really grateful to have you here.

Let's keep learning, growing, and achieving success together.

Your story could truly encourage someone else on this journey!

Your shared experiences, with all their ups and downs, encourage us all.

Together, we’re more than a community; we’re a family, supporting one another every step of this way.🤝

Good Luck

[destkelamedia]

5 Proven Steps to Create Lasting Passive Income with Your Online Course

[shikhawrites17]

Creating a Budget: The First Step in Personal Finance for Beginners

Budgeting is the cornerstone of personal finance for beginners, enabling you to understand and control where your money goes each month. Start by listing your income sources and fixed expenses, like rent or bills. Then, allocate portions for flexible spending and saving. A budget helps you avoid overspending, prioritize financial goals, and save for the future. Mastering budgeting early on gives you a clear financial roadmap, empowering you to make confident financial decisions and achieve long-term stability.