May 10, 2017

Items in italics are direct quotes from the articles below

http://www.investopedia.com/financial-edge/0412/5-tips-on-when-to-sell-your-stock.aspx

Buy recommendations are prevalent and stem from a wide variety of sources, including investment newsletters, analysts, stockbrokers and investment managers. However, few offer much advice on when it is best to sell a stock. Here are five tips on when it might be time to sell. It hits your price target, a deterioration in the fundamentals, a better opportunity comes along, after a merger, and after bankruptcy. Obviously selling a stock when it doubles is a good idea, but when you are selling it when it doubles you are saying that the company is undervalued by 50%. I’ve said in previous blogs that understanding the numbers is important. The reason you should understand the fundamentals is to save yourself from losses when it looks like a company is deteriorating. Always look for better opportunities and factor in the opportunity cost. Take the time to read the final tips, but also consider how these tips factor into your investment portfolio. What is your asset class? Where is your focus? What lens are you looking at your life through?

http://www.businessinsider.com/how-to-stop-burnout-before-it-ruins-your-professional-life-2017-4

Hard work is as American as apple pie. We pride ourselves on pulling 12-hour days — getting in a workout before heading to the office before running to the PTA meeting and making it home in time for the evening news. Being stellar at the office, exceeding expectations, and climbing the ladder are all a part of the American dream. Until suddenly you hit a wall. You’re mentally and physically exhausted. Going through the motions day in and day out, forgetting self-care and ignoring pleas from friends to “slow down.” You are burned out. This article is a reminder of the dangers of stress on our daily life. Whether you have an educated background or not, you will find yourself in a stressful work environment. Stressful jobs contribute to 120,000 deaths each year and cost U.S. businesses up to $190 billion in health care costs , according to a 2016 paper from researchers at Harvard Business School and Stanford University’s Graduate School of Business. Regardless of age, American workers are unwilling to take vacation time, because they want to protect their job or they feel like they must keep up with the pace of work. “Burnout is primarily caused by systemic factors in workplaces,” says Chicago-based clinical psychologist Dr. Adia Gooden. “Jobs that put more pressure on employees without support and useful feedback are more likely to see employee burnout.” Here are six keys to spotting burnout: know the signs, see how the office or work environment impacts you and others, consider how technology plays a role, know that workouts help but only so much, when to speak to management, and seeking professional help.

Research shows that burnout has three dimensions:

  • Emotional exhaustion: Feeling used up and spent; sometimes physically and mentally, as well. You may have trouble sleeping, get sick often, and become irritated at the drop of a hat.
  • Depersonalization: Feeling alienated and disconnected to others at work.
  • Reduced personal accomplishment: Feeling apathetic and losing confidence in yourself and your abilities at work. Your capacity to perform is compromised.

Be mindful of the workload of your environment, and know when to set boundaries around your time away from work so work can’t creep into your personal time. It is healthy to work out, but it’s also important to eat properly, and to engage in practices that allow you to unplug from work even during the work day. Personally, I’ve taken up listening to motivational videos, or relaxation music through YouTube. For me, these strategies come alongside my primary response to exhaustion which is prayer, reading the Word, and listening to worship music. What works for me may not work for you but if it helps you engage in the principle of rest then it’s helping you pay back your time deficit. Build into your life time margin so you can truly rest and replenish your strength, and in doing so you may see a problem from a different point of view and solve it.

For this week, I’ve included Arnold Schwarzenegger – THE STORY SO FAR – Gym Motivation – Motivational Speech from MulliganBrothers YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.”

Proverbs 28:26 MSG‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

October 12, 2016

www.investopedia.com/articles/stocks/08/secrets-success-company-stock.asp

Some companies are just better than others. It could be name recognition, innovation, market share or any number of other attributes that makes a good company stand out from the herd. The important thing for an investor is being able to spot the eventual winners before they become household names. So, what is it about one company that makes it a good company, and does that description equate to a good stock to invest in? The answer depends on whether you ask an accountant, an economist, a marketer or a human resources expert, but by pulling all of those disciplines together, you generally can define a good company by these three characteristics: competitive advantage, above-average management, and market leadership. Competitive advantage has two forms: differentiation advantage and cost advantage. Other ways to maintain competitive advantage is through having barriers to entry, name recognition, and price leadership. Above-average management is another key component because not only can experienced management lead a company through the boom and bust cycles, but the right management can also mentor the next generation to ensure the company’s sustainability or even potential increased share of the marketplace. Good management is more likely to stay with a company that has a strong vision. One of the most important characteristics in becoming a good company is market leadership. Leadership can come in many forms, but the reputation that comes along with this tag is priceless. The label of “industry standard” is one that every company strives for. Examples include leading the market in quality, innovation, customer service or even warranties If a company has these three traits then the company could be worth investing in. However, these intangibles do not excuse you from doing your financial due diligence. Know your investment strategy and make sure you follow it. I have two different portfolios, one I use for trading and the other I use to buy and hold. Having a budget allows me to take my disposable income and invest it in the market. When you put things into order there will be increase.

http://www.bankrate.com/finance/identity-theft/bad-habits-help-id-thieves-get-your-data-7.aspx

As of Sept. 20, 2016, the Identity Theft Resource Center had recorded 687 data breaches for the year, in which 28.8 million consumer records were compromised. That was before news of the Yahoo data breach surfaced. Add 500 million more records to that list. There are 6 bad habits you can avoid that can help protect your identity. “It’s definitely worth being worried about protecting yourself,” says Tim Erlin, director of IT security and risk strategy at Tripwire, a cyber-security firm. “As a consumer, you can’t be worried necessarily which company will be compromised next.” Your identity is a valuable currency on the black market. The 6 bad habits to avoid are: tossing sensitive documents into the trash, failing to check credit reports, banking on unsecured Wi-Fi, using the same password across
multiple accounts, failing to monitor accounts, and failing to freeze your credit after a breach. I encourage you to look at the statistics behind each bad habit, and what you’ll find is that Americans are vulnerable to having their identities compromised. Because we live in the Information Age our presence is out there for the world to see. Personally I check my credit at least once a year with the three credit bureaus and I’ll actually pay for the detailed version. If you have to pay for your annual physical, then why not have a detailed look at your credit also? I am in favor of identity monitoring, however for something that actually restores your identity then I recommend having ID Shield. With this product, if your identity is ever compromised, you will have access to your own licensed Kroll investigator who will restore your identity back to before it was compromised. If you want more information about ID Shield you can reach me in the contact me section.

Also, if you need a financial checkup you can reach me in the contact me section.

For this week, I’ve included 3 Million Subscribers in 1 Year! – What’s Inside? YouTube Creator Dan Markham from Shark Tank Podcast YouTube channel.

“If you think you know it all, you’re a fool for sure; real survivors learn wisdom from others.” Proverbs 28:26 MSG‬‬‬‬‬‬