#stock certificates

[stone-cold-groove]

60s era Columbia Pictures Corporation stock certificate.

[phoenixyfriend]

Ko-Fi prompt from Isabelo:

Hi! I'm new to the workforce and now that I have some money I'm worried it's losing its value to inflation just sitting in my bank. I wanted to ask if you have ideas on how to counteract inflation, maybe through investing?

I've been putting this off for a long time because...

I am not a finance person. I am not an investments person. I actually kinda turned and ran from that whole sector of the business world, at first because I didn't understand it, and then once I did understand it, because I disagreed with much of it on a fundamental level.

But... I can describe some factors and options, and hope to get you started.

I AM NOT LEGALLY QUALIFIED TO GIVE FINANCIAL ADVICE. THIS IS NOT FINANCIAL ADVICE.

What is inflation, and what impacts it?

Inflation is the rate at which money loses value over time. It's the reason something that cost 50 cents in the 1840s costs $50 now.

A lot of things do impact inflation, like housing costs and wage increases and supply chains, but the big one that is relevant here is federal interest rates. The short version: if you borrow money from the government, you have to pay it back. The higher the interest rates on those loans, the lower inflation is. This is for... a lot of reasons that are complicated. The reason I bring it up is less so:

The government offers investments:

So yeah, the feds can impact inflation, but they also offer investment opportunities. There are three common types available to the average person: Bonds, Bills, and Notes. I'll link to an article on Investopedia again, but the summary is as follows: You buy a bill, bond, or note from the government. You have loaned them money, as if you are the bank. Then, they give it back, with interest.

Treasury Bills: shortest timeframe (four weeks to a year), and lowest return on investment. You buy it at a discount (let's say $475), and then the government returns the "full value" that the bond is, nominally (let's say $500). You don't earn twice-yearly interest, but you did earn $25 on the basis of Loaning The Government Some Cash.

Treasury Notes: 2-10 year timeframe. Very popular, very stable. Banks watch it to see how they should plan the interest rates for mortgages and other large loans. Also pretty high liquidity, which means you can sell it to someone else if you suddenly need the cash before your ten-year waiting period is up. You get interest payments twice a year.

Treasury Bonds: 20-30 years. This is like... the inverse of a house mortgage. It takes forever, but it does have the highest yield. You get interest payments twice a year.

Why invest money into the US Treasury department, whether through the above or a different government paper? (Savings bonds aren't on sold the set schedule that treasury bonds are, but they only come in 30-year terms.)

It is very, very low risk. It is pretty much the lowest risk investment a person can make, at least in the US. (I'm afraid I don't know if you're American, but if you're not, your country probably has something similar.)

Interest rates do change, often in reaction or in relation to inflation. If your primary concern is inflation, not getting a high return on investment, I would look into government papers as a way to ensure your money is not losing value on you.

This is the website that tells you the government's own data for current yield and sales, etc. You can find a schedule for upcoming auctions, as well.

High-yield bank accounts:

Savings accounts can come with a pretty unremarkable but steady return on investment; you just need to make sure you find one that suits you. Some of the higher-yield accounts require a minimum balance or a yearly fee... but if you've got a good enough chunk of cash to start with, that might be worth it for you.

They are almost as reliable as government bonds, and are insured by the government up to $250,000. Right now, they come with a lower ROI than most bonds/bills/notes (federal interest rates are pretty high at the moment, to combat inflation). Unlike government papers, though, you can deposit and withdraw money from a savings account pretty much any time.

Certificates of Deposit:

Okay, imagine you are loaning money to your bank, with the fixed term of "I will get this money back with interest, but only in ten years when the contract is up" like the Treasury Notes.

That's what this is.

Also, Investopedia updates near-daily with the highest rates of the moment, which is pretty cool.

Property:

Honestly, if you're coming to me for advice, you almost definitely cannot afford to treat real estate as an investment thing. You would be going to an actual financial professional. As such... IDK, people definitely do it, and it's a standby for a reason, but it's not... you don't want to be a victim of the housing bubble, you know? And me giving advice would probably make you one. So. Talk to a professional if this is the route you want to take.

Retirement accounts:

Pension accounts are a kind of savings account. You've heard of a 401(k)? It's that. Basically, you put your money in a savings account with a company that specializes in pensions, and they invest it in a variety of different fields and markets (you can generally choose some of this) in order to ensure that the money grows enough that you can hopefully retire on it in fifty years. The ROI is usually higher than inflation.

These kinds of accounts have a higher potential for returns than bonds or treasury notes, buuuuut they're less reliable and more sensitive to market fluctuations.

However, your employer may pay into it, matching your contribution. If they agree to match up to 4%, and you pay 4% of your paycheck into an pension fund, then they will pay that same amount and you are functionally getting 8% of your paycheck put into retirement while only paying for half of it yourself.

Mutual Funds:

I've definitely linked this article before, but the short version is:

An investment company buys 100 shares of stock: 10 shares each in 10 different "general" companies. You, who cannot afford a share of each of these companies, buy 1 singular share of that investment company. That share is then treated as one-tenth of a share of each of those 10 "general" companies. You are one of 100 people who has each bought "one stock" that is actually one tenth of ten different stocks.

Most retirement funds are actually a form of mutual fund that includes employer contributions.

Pros: It's more stable than investing directly in the stock market, because you can diversify without having to pay the full price of a share in each company you invest in.

Cons: The investment company does get a cut, and they are... often not great influences on the economy at large. Mutual funds are technically supposed to be more regulated than hedge funds (which are, you know, often venture capital/private equity), but a lot of mutual funds like insurance companies and pension funds will invest a portion of their own money into hedge funds, which is... technically their job. But, you know, capitalism.

Directly investing in the stock market:

Follow people who actually know what they're doing and are not Evil Finance Bros who only care about the bottom line. I haven't watched more than a few videos yet, but The Financial Diet has had good energy on this topic from what I've seen so far, and I enjoy the very general trends I hear about on Morning Brew.

That said, we are not talking about speculative capital gains. We are talking about making sure inflation doesn't screw with you.

DIVIDENDS are profit that the company shares to investors every quarter. Did the company make $2 billion after paying its mortgages, employees, energy bill, etc? Great, that $2 billion will be shared out among the hundreds of thousands of stocks. You'll probably only get a few cents back per stock (e.g. Walmart has been trading at $50-$60 for the past six months, and their dividends have been 57 cents and then 20.75 cents), but it adds up... sort of. The Walmart example is listed as having dividends that are lower than inflation, so you're actually losing money. It's part of why people rely on capital gains so much, rather than dividends, when it comes to building wealth.

Blue Chip Stocks: These are old, stable companies that you can expect to return on your investment at a steady rate. You probably aren't going to see your share jump from $5 to $50 in a year, but you also probably won't see it do the reverse. You will most likely get reliable, if not amazing, dividends.

Preferred Stocks: These are stock shares that have more reliable dividends, but no voting rights. Since you are, presumably, not a billionaire that can theoretically gain a controlling share, I can't imagine the voting rights in a given company are all that important anyway.

Anyway, hope this much-delayed Intro To Investing was, if not worth the wait, at least, a bit longer than you expected.

Hey! You got interest on the word count! It's topical! Ish.

[notbecauseofvictories]

it is very funny talking to my youngest brother, because he will do classic "I'm in my twenties" nonsense like ask if I want to grab drinks and then forget to charge his phone, and so I will be on the verge of texting our mother because obviously he is dead, when he finally replies to my increasingly hysterical string of texts with "oh, sorry, my phone has been dead since last night, are we still on for drinks?"

[chialattea]

making stew. it’s stew time. morbillion stew recipes to try out. hit me with some good soup.

[nifm-institute]

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Here in Mumbai, NIFM is offering 20+ stock market courses with certification and 100% placement assistance in top companies. They focus on more practical (75%) training than theoretical (25%) training. Students work on practicalities with the budget in hand to get more enhanced knowledge of trades, when to buy or sell stocks, market ups, and downs. This builds more confidence in students to find out when is the best time to enter the market or the right time to invest in stocks.

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Source of Content: https://www.nifm.in/blog-details/387/stock-market-courses-in-mumbai.php

[jhsharman]

the part owner partners

A tad perplexing. Veronica is wearing a backless and sleeveless dress in the original which is colored in the reprise -- except that in that original first panel it is yellow, and in the reprised second panel the colorist gets confused and drowns her in red, missing the mark that the white is Archie's stock certificate paper.

One flub in the reprint -- otherwise Betty's shirt remains that pink shade of color.

[acornsales17]

Goes Stock Certificates & Corporate Stock Certificates Online

With nearly 70 different Goes Stock Certificates to choose from, Acorn Sales offers a wide selection to meet your organization’s specific needs. Whether you’re looking for loose certificates, custom-printed corporate certificates, or a book of stock certificates, you’ll find the perfect option for your business.

One of the standout products in this range is the Long Form Corporate Stock Certificates, measuring 8 1/2" x 15". These certificates offer a professional and elegant design, ideal for businesses of all sizes. Custom printing is available with a minimum order of 25, and the best part? Acorn Sales can print these in-house, ensuring an expeditive turnaround time so you won’t have to wait long to get your certificates.

[sakshamyng]

WingsWay Training Institute is a leading educational provider in Dubai, offering comprehensive stock market courses designed to equip individuals with the knowledge and skills needed to excel in financial trading and investment. With a focus on practical learning and expert guidance, WingsWay Training Institute ensures participants gain a deep understanding of market analysis, trading strategies, and risk management, making it the ideal choice for anyone looking to navigate the complexities of the stock market and achieve financial success in Dubai’s dynamic economy.

[protraderindiamember11]

Essential Stock Market Courses for Financial Success

Stock market courses are an excellent way for both beginners and experienced investors to enhance their knowledge and skills in navigating the complex world of financial markets. These courses cover a wide range of topics, from the basics of stock market fundamentals to more advanced strategies like technical analysis, options trading, and portfolio management. Whether you're just starting or looking to refine your trading techniques, stock market courses provide structured learning, helping you understand how markets operate, how to analyze stocks, and how to manage risk effectively. These courses are often taught by industry experts who provide valuable insights into market trends, economic indicators, and trading strategies. By enrolling in stock market courses, individuals can gain the confidence needed to make informed investment decisions, minimize risks, and optimize their returns. Additionally, many of these courses offer practical, hands-on training with real-life examples and case studies, ensuring that you not only understand the theory but can also apply your knowledge to real-world situations. Ultimately, stock market courses are a powerful resource for anyone looking to grow their financial knowledge, invest more strategically, and achieve long-term financial success.

[californianewsin]

Five Small Tips You Can Save Thousends Of Dollars

[my-equity-guru]

Financial Planning Course

My Equity Guru offers a top-notch financial planning course designed to empower individuals with the knowledge and skills needed to make informed investment decisions. Whether you're a beginner or an experienced investor, our course covers key concepts such as asset allocation, risk management, and retirement planning. Take control of your financial wellbeing and join us today.

[mayakern]

Things are bad right now.

As many of you know, way back in 2020 we weren’t sure if our business was gonna make it. Our factory was already on break for Lunar New Year–a month-long holiday for many businesses in the area–and with the announcement of COVID19, everything shut down indefinitely. We knew immediately we were in for a bad time. Despite our fears, our sales grew so far beyond anything we ever expected, to the point where we had to hire two employees just to keep up with demand! 

Unfortunately, even after our factory reopened, our problems were not over. Their quality drastically declined almost immediately, to the point that a significant amount of our  fabric would literally fall apart in transit between the factory and our office. Because of this, we discovered that our sales rep had no idea what she was doing and knew nothing about the factory she was representing, so when we told her the fabric was garbage her response was “👍 factory said it’s good!” At the beginning, only roughly 10% of our new product was defective and we were able to sell the affected items with a reasonable discount. By the end of our relationship with that factory, 40% of our midi skirts and 70% of our miniskirts were defective, some affected so severely that they practically fell apart when touched. And still, our rep said everything was fine and there were no problems and the fabric composition had not changed.

So in 2022 we changed factories. We hired Ash to handle this since I was way too busy managing fulfillment to do the amount of research and communication necessary to find us a factory that met our criteria. Finding clothing factories that can make clothing over a size 2-3X is significantly more difficult than one that can’t because it often requires larger and more expensive machinery. But Ash did it: she got us set up with a new factory that has excellent certifications for both their labor practices and their methods for textile production, that delivers consistent, high quality sewing on well made fabric that can be printed without suffering loss in detail–and she was armored with the knowledge for what makes a quality garment so she could check them if they tried to screw us on quality. Their minimum orders were way higher than our previous factory’s, so we decided to focus on ordering more units of fewer designs. We ordered way too much our first round–some of those designs were in stock until the 2024 blowout sale! But it worked out, and slowly we had a warehouse full of stuff to sell.

Fast forward to 2024, business is slowing down between the economy being bad and what seemed to be a general skirt fatigue amongst our customers. We tried expanding into shirts, which would’ve been successful if our minimums were lower. In the late spring we realized we were in trouble if we didn’t make drastic changes and we ultimately decided to end in-house fulfillment and transfer to a third party fulfillment center that would support domestic shipping in Canada and eventually the UK, EU, and Australia. In order to make that transition affordable we drastically discounted everything and that sale was super successful! We were able to begin shipping from the fulfillment center with an almost clean slate, even if it did mean having to close the store for almost two months and thereby missing out on two very important months of sales.

Unfortunately, we were stupid. We continued to order new designs on an every other month schedule instead of switching to an every month schedule, forgetting that having a backstock in a variety of designs is what previously helped us float between orders and now we quite literally didn’t have enough inventory to match the sales we made for last year’s holiday sale.

That brings us to now.

We’re a little stuck. We have a round of skirts in production (yay!) but they won’t get here until February (boo!). To get back on that monthly cycle we would need to order the next round of skirts right now, but we can’t pay for production until that next round of skirts gets here; if the current sale goes well, it’s paying payroll, not production. We are currently in the very difficult, horrible situation of not having enough money for next month’s payroll unless we are somehow able to make significant sales with our very sparse inventory.

We’re scrappy and we do our best to adapt to disasters and I’m sure we’ll find a way to adapt to this one as well, it’ll just take us some time to get there. Basically we’re going to be okay eventually–hopefully later this year–but in the meantime if we seem frantic, now you know why. 

If you’re been considering trying out our viscose shirts but haven’t been able to justify paying full price, they’re on clearance PLUS half off right now! That’s $9-$15 for the viscose tops, and other tops on clearance are $20-$45. Some of the shirts we’re having a LOT of trouble selling are now priced below cost to help us recoup some of the money we spent making them.

Any amount of support helps right now. Sharing posts, telling your friends, buying a $9 shirt–all of it helps. If our clothing isn’t your thing, we also have a Patreon you can support for as little as $1 a month. https://www.patreon.com/mayakern

Thank you so much for reading, and I hope you have a great rest of your day and that 2025 is a brighter, kinder year for us all.

[vaishviktrader]

Price Action Trading: Strategies, Tips, and Professional Tools

Trading based on price action trading is a potent method that uses past price changes to guide trading choices. It does not rely a lot on technical markers like other strategies do. Instead, it zooms in on things like price changes, how much is being traded, and patterns. This post will talk about good strategies for trading with price action, give helpful advice, and showcase pro tools that can make trading even better.

[finwings]

The financial markets have become a modern-day Wild West, with constant change and new variables thrown into the mix. But fear not, aspiring traders! At Finwings Academy, we equip you with the tools to survive and thrive in this dynamic landscape.

[alwaysrise079]

Stock Market Courses with certification

Are you prepared to set out on a path to become an expert investor and achieve financial empowerment? We cordially encourage you to learn more about our extensive Stock Market Courses with certification, which are intended to provide you the information and abilities you need to successfully navigate the ever-changing world of stocks and investments. Accompany Rise Excellence Academy India Pvt. Ltd. on this thrilling quest for monetary achievement. Take the first step toward becoming a knowledgeable and self-assured investor by enrolling in our stock market courses today. To Know More Visit :- https://stockmarketcourseswithcertification.blogspot.com/2024/06/stock-market-courses-with-certification.html

[kamana-mishra]

Exploring Advanced Concepts in the Stock Market: A Dive into Financial Education

The stock market is a complex and dynamic environment that offers a multitude of opportunities for investors and traders alike. Beyond the basics of buying and selling stocks, there exist advanced concepts that can greatly enhance one's understanding of the market and potentially lead to more informed decision-making.

For individuals looking to deepen their knowledge and expertise in the stock market, delving into advanced concepts is essential. Platforms like Finology Quest provide invaluable resources and educational materials for those seeking to navigate the intricacies of financial markets and unlock the potential for strategic investments.

Advanced concepts relating to the stock market encompass a wide array of topics, including technical analysis, fundamental analysis, derivatives trading, algorithmic trading, and market psychology, among others. These concepts delve into the underlying factors that drive market movements, the evaluation of company fundamentals, risk management strategies, and the utilization of advanced trading techniques.

Understanding these advanced concepts can offer investors a competitive edge in the market, enabling them to identify trends, assess risks, and make informed decisions regarding their investment portfolios. Moreover, gaining proficiency in these areas can empower individuals to develop sound investment strategies, optimize their trading practices, and adapt to the ever-changing dynamics of the stock market.

By leveraging resources like Finology Quest, individuals can access comprehensive courses, tutorials, and expert insights on advanced concepts relating to the stock market. These resources enable learners to deepen their understanding of complex market dynamics, enhance their analytical skills, and stay abreast of the latest trends and developments in the financial industry.

In conclusion, the stock market presents a vast landscape of opportunities for those willing to explore and master advanced concepts in the field of finance. Platforms like Finology Quest serve as valuable educational hubs, offering a gateway to a wealth of knowledge and expertise in advanced stock market concepts. By engaging with these resources, individuals can broaden their horizons, elevate their financial acumen, and position themselves for success in the dynamic world of stock market investing.