tag:blogger.com,1999:blog-85292480702390542112024-03-13T08:09:01.304-07:00Straight from the Owl's BeakAnonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-8529248070239054211.post-60207382872177795442013-06-04T15:29:00.000-07:002013-06-04T15:29:06.953-07:00Beach Bum Pt. 2: The Four Pillars of Permanence<b>Straight from the Nagger's Beak</b><br />
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As a manager, I am constantly reminding my associates to ask questions. Most of us grow up with the idea that there is "no such thing as a stupid question", which was likely planted into our brains "inception-style" by teachers around the globe. While I think this notion is a powerful catalyst for emboldening timid participants, to say that stupid questions don't exist is like saying that fat-free ice cream is healthy or that watching Mythbusters is educational. It makes you feel better, but simply isn't true. There are two types of stupid questions: questions that there are no real answers to (how much wood would a woodchuck chuck..?), and questions you already know the answer to. One of the most frequently asked questions I hear (and ask) falls into the latter category: "Is this permanent?"<br />
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The most common answer to this question - "everything is permanent until it changes" - almost directly aligns with my investment strategy (and ironically my dating strategy - though that one worked itself out). So how do you identify permanence in an investment? How do you get to know a company in the up-close and personal way that we got to know Neal and Phyllis?<br />
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<b>The Four Pillars of Permanence</b><br />
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Every investor that is looking to beat the market is typically looking for two things: growth potential and permanence. Determining growth potential requires extensive research into the industry or market as well as the companies' R&D (research and development) plans. Even with the research, putting money into a security entirely focused on growth potential is somewhat of a gamble. So instead, focusing on permanence over growth can be a far better long-term strategy. There are four major areas that I look to determine if an investment will last the long-haul - the four pillars of permanence:<br />
<ol>
<li><b>Pillar #1 - Economies of Scale:</b> Does the company have depth and diversity? Some of the key factors to look for here are large caps, age, and free cash. If you are thinking, "that sounds like my grandparents", you're probably on the right track. A large, tenured company with substantial cash on hand is a good sign of permanence. A couple other things to look at are a.) how many industries the company is exposed to and b.) a current ratio of >2. This shows the diversity of the company and its ability to pay off short-term debt. Think <a href="http://caps.fool.com/Ticker/MSFT.aspx">Microsoft</a>. <b> </b></li>
<li><b>Pillar #2 - Dividends:</b> Companies that pay dividends do it for one of two reasons: either they can afford to pay dividends or they are forced to pay dividends. Those that fall under the latter category (such as mREITs, for tax purposes) are not always bad investments, but are certainly more subject to volatility than companies that <i>choose </i>to pay investors. A stable dividend and a history of dividend growth can personify a safe investment - just make sure the earnings have been growing with the dividend! There is a great article that bolsters these first two pillars <a href="http://seekingalpha.com/article/1477441-what-i-ve-learned-from-10-years-of-dividend-investing?source=yahoo">here</a>.</li>
<li><b>Pillar #3 - Inelastic Goods: </b>Companies that do not depend on certain social or economic conditions are often the most stable investments. Utilities companies are far less exposed to the woes of the economy, as they provide a service that most people will choose not to cut out of their budget. Southern company, one of the nation's largest utilities, only lost about 30% of its value in the market crash of 2008-2009 and has since bounced back nearly 100%. This is compared to losses of 60-75% across consumer and commodity shares like <a href="http://caps.fool.com/Ticker/HMC.aspx">Honda Motor Company</a> and <a href="http://caps.fool.com/Ticker/AA/Chart.aspx?source=icasittab0000005">Alcoa Aluminum</a>. Other companies that fit the mold of "inelastic sales" are grocers (Kroger, Whole Foods, Walmart), tobacco (Altria, Lorillard) and healthcare (Eli Lilly, Johnson and Johnson) amongst others.</li>
<li><b>Pillar #4 - Strength (or lack) of Competition:</b> In medieval times, castles would be surrounded by deep trenches, often filled with water or sharp, precarious debris, designed to ward off or cripple enemies or rivals. Today, the most frequent use of the word "moat" is in describing the position a company holds within a certain industry. For example, a company with a narrow moat is one that does not have a significant buffer ahead of its competition. For wide-moat companies, think in terms of large companies with only one or two major competitors - like <a href="http://caps.fool.com/Ticker/KO.aspx">Coca-Cola</a> (KO). The benefit that these companies hold is that they can see competition coming from miles away and use their gargantuan strength to either jump ahead of it or absorb it. </li>
</ol>
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" width="400" /> </b></div>
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<b>Fig. 1 - The Four Pillars</b></div>
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<br /></div>
<div style="text-align: left;">
<b>Putting the Pillars to Use</b></div>
<div style="text-align: left;">
<b> </b></div>
<div style="text-align: left;">
So now we will use the pillars to analyze three different companies that are currently on my watch list: <a href="http://caps.fool.com/Ticker/WU.aspx">Western Union</a> (WU), <a href="http://caps.fool.com/Ticker/SWHC.aspx">Smith and Wesson</a> (SWHC), and <b> </b><a href="http://caps.fool.com/Ticker/QCOM.aspx">Qualcomm Inc</a> (QCOM). </div>
<div style="text-align: left;">
</div>
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<img alt="" 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/> </div>
<div style="text-align: center;">
<br /></div>
<div style="text-align: left;">
All three companies have a strong pillar #1, although Western Union has a much lower proportion of total cash available to current liabilities. Both Western Union and Qualcomm are strong in pillar #2, where Smith and Wesson is lacking. Western Union is the only company that did not see significant impacts to profits during 2008-2009, putting it up into the "inelastic" tier, where the other two fell short. Pillar #4 showed Western Union and S&W with fewer major competitors, and therefore less competition. It must be taken into account that S&W has a greater number of privately owned companies directly competing with it in the personal security sector. The telecommunications market is very crowded these days, but Qualcomm has a nice foothold as the industry leader and LOTS of cash - giving it a fairly wide moat. </div>
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
In conclusion, I like all three of these companies (which is why they are on my watch list) but I can only recommend Western Union and Qualcomm at this time. The lack of dividend with S&W is dangerous, especially with all the question marks surrounding gun control these days. The moat is not wide enough and the biggest competitor is the government (scary!). Western Union and Qualcomm seem well-positioned for continued growth, both in the stock price and the dividend.</div>
<div style="text-align: left;">
<br /></div>
<div style="text-align: left;">
Disclaimer: I have positions in LO, KO, WU, and may initiate a position in QCOM within the next 72 hours. The Four Pillars of Permanence are not a guarantee of permanence and are subject to the same Generally Accepted Accounting Principles that brought down Enron. Remember - everything is permanent until it changes!</div>
<div style="text-align: center;">
</div>
Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com0tag:blogger.com,1999:blog-8529248070239054211.post-69689161213817874372013-06-04T13:14:00.000-07:002013-06-04T13:14:06.881-07:00Beach Bum Pt. 1: Neal and PhyllisLet me take a break from all the facts and figures and tell you one thing I love about the beach. It has nothing to do with the sand or the waves. It has nothing to do with the salty air or the crisping of my skin; instead, it has everything to do with the people.<br />
<br />
Insert Neal and Phyllis.<br />
<br />
As we pulled into our beachfront duplex on the narrow strip of Emerald Isle this week, I was greeted by an aged mustache, paired with a toothy grin and a strong (I'm talkin' straaaaawng y'all) country accent.<br />
<br />
"I guess y'aller our neighbors - you look like friendly enough folks." He said.<br />
<br />
"We'll try and live up to that initial impression - even though I'm not sure what we did to deserve it. I'm sure you'll let us know if things get too rambunctious for you?" I replied.<br />
<br />
"We ain't got no problem with ram-bunction - teerust me," his enormous smile grew even bigger, to the point that I thought the corners of his mouth might poke him in the eyes, "you see, I can be friends with anybody - unless you're married to me and you ain't my type - but even then tolerance is the lowest limbo bar."<br />
<br />
As I stared blankly trying to figure out what that meant, a petite, middle-aged woman poked her head out from around the other side of the van.<br />
<br />
"Lord knows you were lucky to find someone to marry you at all. Not everyone's as attracted to robust waistlines and hairy backs as I am!"<br />
<br />
Neal and Phyllis.<br />
<br />
What's great about the beach is that it is one of the few places that you can simultaneously know everything about a person and nothing about a person. The beach presents a unique opportunity to get to know people without their clothes on. Instead of being defined by the stuff they own or the places they work, first impressions are more subject to face-to-face interactions and family dynamics (and perhaps a tattoo or two).Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com0tag:blogger.com,1999:blog-8529248070239054211.post-59945104629110473222013-05-22T15:30:00.002-07:002013-05-22T15:30:55.800-07:00The Power of Investing Generously<br />
<b>Historical Philanthropy</b><br />
<br />
My recent sabbatical from blogging has given me ample time to dwell on what I believe to be an important topic for anyone with the means to invest: giving. This may be a bold statement, but regular giving can be one of the most powerful catalysts to your long-term financial goals. I'll tell you how in a moment, but first let's take a look at America's charitable history.<br />
<br />
<br />
To put things into perspective, charitable giving typically grows at about one-third the rate of the stock market - <a href="http://www.nptrust.org/philanthropic-resources/charitable-giving-statistics">approximately 3% annually</a>. This is about 1% less than the inflation rate, and 2.2% less than the combined inflation rate and population growth rate. So what does this mean? It means that, per household, Americans are only giving 46.73% of what they were giving in 1975. Inflation-adjusted private giving in the US has remained stagnant at $298B from 2001 to 2012 - why? There are many different theories as to why the steady decrease is happening (which we will not discuss here), but ultimately it has resulted in an increase in what I call "filtered giving". Since most of this readership are of an intelligent, blog-reading nature, I'm certain you can deduce what I mean by this. Simply put, less money is being directly poured into needful hands and more is going into charitable for-profit companies (like Tom's) and ginormous, 16-trillion-dollar-debt elephants in the room.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://scm-l3.technorati.com/11/02/01/26241/National-Debt-Cartoon.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img align="middle" alt="Naational Debt Cartoon" border="0" height="271" src="http://scm-l3.technorati.com/11/02/01/26241/National-Debt-Cartoon.jpg" title="Naational Debt Cartoon" width="400" /></a></div>
<br />
Let me throw in a quick disclaimer - I don't have a problem with Tom's, my wife loves Tom's. But let's be real, buying Tom's shoes is not giving. Don't argue - it isn't. According to <a href="http://ruminationavenue.com/2011/05/03/why-toms-shoes-pose-as-charity/">this intriguing article</a>, Tom's profited $4.6 million in 2009 - during the financial crisis! Which means that a large portion of this amount plus the cost of their trademark "one-for-one" shoes could have been directed towards targeted direct-giving opportunities. Once again - not saying Tom's is bad, but at $60 for a couple straps of cloth and a slab of neoprene, I would dare to say that Walmart may be the more charitable of the two. <br />
<br />
<b>Living without Abiguity</b><br />
<br />
So how do we bridge the gap between what we were giving as a nation 35 years ago versus what we are giving now? Apart from electing solid government officials and praying for more discretionary income, there are several ways to ramp up your giving potential:<br />
<ol>
<li><b>Make your favorite inelastic-goods companies donate for you: </b></li>
<ol>
<li>Invest in a company with historical dividends and dividend growth such as Johnson and Johnson (<a href="http://caps.fool.com/Ticker/JNJ.aspx">JNJ</a>), Kraft (<a href="http://caps.fool.com/Ticker/KRFT.aspx">KRFT</a>), or Eli Lilly (<a href="http://caps.fool.com/Ticker/LLY.aspx">LLY</a>).</li>
<li>Have the dividends injected directly into the organization of your choice. Many large brokerage firms have this option available, and it works the same as a direct funds transfer*. </li>
</ol>
<li><b>Prepare and manage your post-retirement fund:</b> Nope, you didn't read it wrong - what is <i>your</i> plan for after retirement? Well, it won't last forever; something to think about.</li>
<li><b>Budget for "discretionary giving":</b> Instead of saving what's left over, create a budget category for saving and write yourself a check for that amount each month. Start with a baseline of 10% of post-tax income and move up or down depending on your situation and what you are comfortable with. The idea is to stretch yourself in this category in order to see where you can cut in other areas. Then resolve yourself to give what is left over at the end of each month. Hence, discretionary giving. </li>
</ol>
Obviously, the first step to any of this is locking in a regular income. I have to admit, I am somewhat bias to the seemingly antiquated notion that there will always be work for those willing to sweat, but hard times befall the strongest of men. Therefore leave the judging to the Judge and throw your excess to the hungry. After all, sheer joy is nothing short of an unexpected gift in a time of need.<br />
<br />
Next Post: The Wises Build a House<br />
<br />
<a href="http://chronicle.com/article/Obama-Renews-Effort-to-Limit/138475/"> Government Seeks to Limit Charitable Deductions: </a><a href="http://chronicle.com/article/Obama-Renews-Effort-to-Limit/138475/">How Could They?</a><br />
<a href="https://www.fidelity.com/charitable-giving/overview?bar=p">*Learn more about partnering with Fidelity on their charitable giving page</a> <br />
Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com0tag:blogger.com,1999:blog-8529248070239054211.post-17158192892588058742013-04-21T11:18:00.000-07:002013-04-21T11:25:02.874-07:00Is this Fruit Prime for Plucking?<!--[if !mso]>
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<br /></div>
It is 11:40am at the Richmond airport. My 10:50 flight to
Chicago has just disappeared into the hazy sky, full of passengers likely to be
re-distributed all over the world. I sigh, repining from the woes of standby
flight. I stand next to the charging station (I hate to sit in airports), and
then something extraordinary happens: I think. While it is not uncommon for me
to think in day-to-day activities, the realization quickly comes that I often
view airports as an opportunity for a mental vacation. As I think about
thinking, my brain wanders to a recent training session that I presented to
some rising leaders in our company.
<br />
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<br /></div>
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“True or False,” I asked. “As a leader in the company, I
should organize my time so that I can accomplish multiple objectives at once.”</div>
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<br /></div>
<div class="MsoNormal">
A smattering of hesitant responses rang out, but the general
consensus was “true”.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
My left eyebrow twitched as I tried in vain to keep it from
rising, but it floated to the top of my forehead like a
beach ball in the Dead Sea. “False,” I said. I repeated the word one more time
and paused for a few seconds, hoping realization will sink in. </div>
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<br /></div>
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If I were in the Miss America pageant (they have yet to
accept my application), my answer to the “what are you passionate about”
question would be simple: effective utilization of time in airports. Seriously,
think about how much more fit our country would be if we did one pushup for
every minute we waited in an airport. Currently there are 24 people sitting in
my vicinity. Out of those 24, two are playing angry birds, two are working on
the computer (including myself), four are on tablets watching movies, three are
browsing the web on their phones, one is reading on a Kindle, and twelve are
staring off into space. If you are asking yourself, “did he creepily walk
around and observe what all those people were doing?” you are correct. In 2012, airlines carried 812 million passengers to destinations worldwide. That's a lot of Angry Birds. At an average of two hours of time spent at the airport per passenger, enough hours are accumulated at airports <b>each year</b> to keep McDonald's worldwide operations running for a year and a half (over 400,000 employees). </div>
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<span style="mso-no-proof: yes;"> </span><img alt="" height="33" src="data:image/png;base64,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" width="640" /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="mso-no-proof: yes;"><br /></span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b>Figure 1</b>: 812MM
passengers in 2012. Source: Bureau of Transportation Statistics T-100 Market
data.</div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="mso-no-proof: yes;"><br /></span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
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<img alt="" 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" /></div>
<div style="text-align: center;">
<b> Chart 1</b>: The above chart is based on a sample size of 24, therefore the projected accuracy may be somewhat skewed.</div>
<br />
A semi-applicable example, but I believe there is something
to be said about specificity and driving one precise area (say, time spent in airports) to a goal at a
time.<span style="mso-spacerun: yes;"> </span>The squeaky wheel gets the grease;
but if too many wheels are squeaking, you just wind up with a greasy mess.
<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Eat Your Fruits and Veggies:</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If you read my previous post, you are probably wondering
where I am going with all this. The truth is I don’t know. I never know. But
you are reading this and historically it seems to work out alright, so I’ll
keep typing. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
How do you determine the health of a company? Today’s
investors love to dive deep. There is a tendency to look at everything from
supplier sales to dividend growth to China’s manufacturing index to determine
if a stock is a good buy. Though there is nothing wrong with a full diagnostic
sometimes it is notoriously easy to be steered to or from a company based on the fact that
Big Mac sales in Luxembourg are down 0.7%. It is imperative to keep an eye on
the vitals at all points in the decision-making process – so what are they?</div>
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Let’s look at a company that everyone is talking about – <b style="mso-bidi-font-weight: normal;">Apple (<a href="http://www.marketwatch.com/investing/stock/aapl?CountryCode=US">AAPL</a>)</b>. Steve Jobs’ vision came to
fruition throughout the 2000s after he took over the business as CEO in 1998. Following
the crash in late 2008, Apple became the darling of Wall Street – constantly beating
earnings projections while maintaining an air of mystery and excitement around
their products. The stock price peaked in Sept. 2012 after a nearly flawless
run to the top. It has since fallen over 40%. </div>
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<img alt="" 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" /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b>Chart 2</b>: Source -
Marketwatch.com</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Reduction in revenue growth and slowing demand for products
are the major factors driving this chart downward. These are perfectly
legitimate reasons to run away from a stock…in most situations. In most
situations:</div>
<ul>
<li>Companies that see growth similar to Apple’s are valued <b style="mso-bidi-font-weight: normal;">much</b> <b>higher </b>than what their earnings
are telling you. This is clear with companies like Amazon (<a href="http://www.marketwatch.com/investing/stock/amzn">AMZN</a>), where the stock is currently valued at over 1000 times earnings. This is based on the assumption that the company will continue to grow. If growth were to stop or slow, there would be a lot of negative pressure on the stock because it was valued so highly. Apple has had an average valuation of 16x earnings over the past 5 years, so it has maintained a fair value all the way to the top. </li>
<li> Companies that see growth similar to Apple’s do not pay dividends. The profit margins are often much more slim for growth companies, so until they are firmly established a dividend is not an option. Apple was both firmly established and growing faster than the kill count in Rambo.</li>
</ul>
<div class="MsoNormal">
In addition to these situational factors, Apple currently has two secret weapons that investors seem
to have forgotten: Brand and Cash.</div>
<div class="MsoNormal">
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First let's talk about brand. How did Apple succeed in making itself one of the most recognizable companies in the world? It was through perfecting one piece of the puzzle at a time. Apple hooked consumers with the iPod in 2001 and continued to develop this product ahead of the competition.Once they had earned the loyalty of the market, they moved on to personal computers, then to phones, then to tablets, growing their brand and consumer dedication. now rumors are swirling about <a href="http://news.cnet.com/8301-17938_105-57569224-1/apple-tv-sdk-coming-out-next-month/">an iTV or an iWatch</a>. That excitement surrounding Apple products has yet to go away, and it has been three years (iPad) since Apple had a major charge into a new market. </div>
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When it comes to a company's piggy bank, "some cash" = good, "lots of cash" = better, "lots of cash and no debt" = nearly unheard of. Apple is in the latter category. With nearly $30 Billion in cash, the company merely needs to invest in a profitable acquisition to maintain growth. </div>
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" /></div>
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<b> Figure 2</b>: Comparison or Trailing Twelve Months (TTM) figures for AAPL, GOOG, MSFT, and INTC. Source - Fidelity.com</div>
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Now is a great time to buy Apple at a discount, as it seems that most investors are losing focus on the vitals of the company. The fundamentals are still very strong and this is not a company that will turtle-shell and let others charge the market. I maintain that Apple still has room to run - simply based on the simple things.</div>
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Disclosure: I own shares of AAPL.</div>
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Next Post: Choosing a winner in different industries. </div>
Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com2tag:blogger.com,1999:blog-8529248070239054211.post-6699259279351707922013-04-13T11:32:00.001-07:002013-04-13T13:26:35.111-07:00Where to Put Your Money: Taking Accounts into Account<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;">Will you take a gut
check?</b></div>
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More often than not, my sporadic trips to the public library
are considerably humbling experiences. What weighs on me is not the homeless
gentleman reading Dostoevsky across the room or the fact that I can only
pronounce the first names of most authors (C.S. and J.K. are easy, but J.R.R.
is pushing it). It is certainly not the fact that I spend the majority of my
time at the Richmond Public Library looking at their selection of 196 DVDs even
though there are 2,861 times as many books (see charts below). </div>
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<span style="font-size: x-small;"><img alt="" height="187" 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" 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" width="320" /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Perhaps what is most humbling about my infrequent,
non-educational trips to RPL is the selection that I wind up bringing back home
with me. As I walk through the aisles, I find myself struck by the titles of
certain books. Authors are required to dedicate significant strategic planning
to their book titles. You see, they know that readers are looking for a title
which will call their name – a title that says, “I can relate to your
situation.” So I gather an armload of satisfactory books and head to the
checkout counter. A smile slowly creeps onto the wrinkly features of the
librarian’s aged face. I look down, wondering what she is smirking at, and
realize with horror that all of my selections are from the unfortunately
popular “Complete Idiot’s Guide” series.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
And thus begins the
facial expression battle. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
I give her a smile which says, “trust me, I know a lot of
complete idiots,” but she retorts with a furrowed brow and pursed lips
claiming, “I’ve seen your kind – you’ll <i style="mso-bidi-font-style: normal;">never</i>
be able to pronounce Dostoevsky.” </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“Well at least I don’t shush people for a living.” My face
sneers back. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“That does nothing to rectify the fact that cavemen check
out more cultured volumes than the pidder-padder you are reading. I bid you
good day.” </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Her face seems to now be stuck in a patronizing, toothy
grin. She knows she has won this battle. I give her a series of quick eyebrow
raises and squint my eyes to let her know that this is not over, then gather my
books and walk out. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Diversifying Accounts</b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
One of the books I checked out that day was <i style="mso-bidi-font-style: normal;">Personal Finance for Dummies 7<sup>th</sup>
Edition</i>. About halfway through the book was a chapter entitled “Building
Wealth through Investing,” a portion entirely dedicated to where to invest and
what the benefits were of spreading your wealth. So then what is the difference
between an IRA, a brokerage account, and a savings account? Are there benefits
tied to each one?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Liquidity is a term that refers to your money’s
accessibility at any given time. If an asset is highly liquid (like cash), it
means that the investor is able to utilize these assets quickly if needed.
Certain accounts fall into the category of liquid accounts:</div>
<div class="MsoNormal">
<br /></div>
<br />
<ul>
<li><b style="mso-bidi-font-weight: normal;">Checking
Accounts:</b> The money you put in your local branch is easily accessible. Cash
in your checking account can be used immediately, but these accounts rarely
accumulate interest and they are often subject to fees. This is due to the fact
that the banks cannot rely on cash levels to be steady for investing purposes.</li>
</ul>
<br />
<ul>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><b style="mso-bidi-font-weight: normal;">Brokerage
Accounts: </b>This is somewhat of an “investment checking account”. Cash is
deposited here for use in purchasing funds and securities.<span style="mso-spacerun: yes;"> </span>The brokerage firms bring in revenue by trade
commission - so they will not typically charge fees, but it is important to
understand all the small print before jumping in with a particular brokerage
firm.</li>
</ul>
<br />
<div class="MsoNormal">
For these accounts, I recommend putting your money in solid,
established investments such as "blue chips" or utilities. The purpose of this
liquidity is that assets can be ready at a moment’s notice. Companies such as
General Electric (GE), McDonald’s (MCD), and Johnson & Johnson (JNJ) see
steady growth year over year and dish out some decent dividends, to boot.
Barring a catastrophic blow to the company, your money should be safe to grow
and withdraw in the near OR long-term. Downside damage will be minimal compared
to smaller companies.<span style="mso-spacerun: yes;"> </span>Some examples of
accounts with less liquidity, in exchange for other benefits are:</div>
<ul>
<li><b style="mso-bidi-font-weight: normal;">Savings
Accounts: </b>These are typically tied to checking accounts and have limited
monthly withdrawals. Although the yields (percent they pay back to the customer
each year) are higher here than checking accounts, some of the highest payouts
these days are only about 1%.</li>
</ul>
<ul>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Certificates
of Deposit: </b>A CD is essentially the next step up from a savings account.
Similar to savings accounts, these are insured – making them essentially free
from risk. When you agree to invest in a CD, you are handing you money over to
a bank or other financial institution for a previously agreed-upon period of
time. Because your money is locked away, rates of return are often higher here
than savings accounts, but yields higher than 2% are hard to find. This really
isn’t even enough to keep up with inflation – which was measured last month at
an annual rate of 2%.</li>
</ul>
<ul>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><b style="mso-bidi-font-weight: normal;">401(k): </b>A
401(k) is offered by employers and comes with a smattering of significant
benefits and limitations. There are four things to recognize up front about
401(k) accounts:</li>
</ul>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Benefit –
Free Money: </b>Most often, employers will match contributions to this account fifty
cents on the dollar up to 6% of total contributions. Just look at the following
example: </div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level3 lfo1; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Average lifetime salary: $50,000</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level3 lfo1; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Paycheck contribution: 5% ($96.15)</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level3 lfo1; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Company match: 2% ($38.46)</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level3 lfo1; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span># years until retirement: 30 years</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level3 lfo1; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Average Annual Growth Rate: 10%</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level3 lfo1; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;">PAYCHECK
AT RETIREMENT: $663,884.16 *YOWZER*</b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level3 lfo1; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>This is compared to the $75,000 you would pocket
if you just held onto the cash. </div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Benefit –
Hands Off: </b>Generally you can just pick a plan that suits your situation and
leave it. Fund managers will handle the rest.</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Jury’s
Out – Tax Deferral: </b>The money you put into this account grows tax-free
until you are ready to take it out. This does NOT mean, however, that the funds
will not be taxed at all. Depending on tax legislation, you could end up paying
out proportionally more in the end. </div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Limitation
–</b> <b style="mso-bidi-font-weight: normal;">Money can only be invested in plans
that the company picks out. You do not have the autonomy that comes with a traditional
retirement account. </b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Limitation
– Withdrawing before age 59½ draws penalties.</b></div>
<ul>
<li><b style="mso-bidi-font-weight: normal;">Individual
Retirement Account (IRA): </b>Last, but not least are IRAs. IRAs allow you to
save and invest while allowing your earnings to grow tax-free. You can
contribute up to $5500 per year to this account and, much like a 401(k), early
withdrawals come at a steep price. There are two main types of IRAs:</li>
</ul>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Traditional
IRA: </b>This account allows you to deduct contributions on a yearly basis as
money is added to the account. Essentially this account allows you to save more
on the front end, while withdrawals are still taxable. </div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;">Roth IRA:
</b>By contrast, contributions to this account are not deductible come annual
tax time. The tax savings go into effect during retirement when withdrawals
start to be made. I personally prefer this IRA account due to the fact that Uncle
Sam can’t get his grubby hands on whatever growth I am able to churn out of my
hard-earned retirement funds, but it is mostly psychological. Financially,
there should be limited difference in the money you pocket – it is really a
matter of preference and planning. </div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l0 level2 lfo1; text-indent: -.25in;">
<br /></div>
<div class="MsoNormal">
So there it is – a long-winded introduction to major
accounts. It is never too early to start investing, so find the account that is
right for you and start planning for your future! </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Next Post: These stocks are healthier than a triathlete vegan on a diet. How?</div>
Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com1tag:blogger.com,1999:blog-8529248070239054211.post-11806736747428549632013-03-17T09:24:00.001-07:002013-03-24T08:14:08.745-07:00The Most Treacherous Bridge in the World<!--[if gte mso 9]><xml>
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<b>Only a Hope to Trust:</b><br />
<b> </b> <br />
One of my favorite scenes in the Lord of the Rings films is the flight over
the bridge of Khazad-dûm. Our heroes have traveled through the dark for days,
hoping to trust that the light of Gandalf's staff would shield them from the
evil dwelling in the shadows. As the companions’ grim journey through the mines
nears the end, they are approached by a being so foul, so terrifying, that the
entire chamber seems to be simultaneously lit aflame and filled with the
blackness of its presence: the Balrog of Morgoth.<br />
<br />
“This foe is beyond any of you. Run!” Gandalf cries. The nine heroes race
through twist and turn, hardly daring a backwards glance at the malevolent
presence that pursues them. Finally they reach the bridge. The bridge of Khazad-dûm
arches through the shadow like a warped backbone, fearsome and challenging.
Beneath the bridge falls a void, unfathomable in depth, filled with the
mysteries of the enemies of Middle Earth – yet to cross this overpass is the
only source of reprieve from the monstrosity charging behind them.<br />
<br />
This is often how people feel about investing.<br />
<br />
Many sources site that the most treacherous bridge in the world crosses the
Hunza River in Pakistan. The Hussaini Hanging Bridge (pictured below) was built
decades ago as a way for mountain locals to cross into town. In Jan. 2010, a
landslide struck the Hunza valley, causing locals to race the rising river to cross
the bridge.<span style="mso-spacerun: yes;"> </span>Those that did not make it
across the river were forced to flee their flooding homes and take refuge in
the mountains until help arrived. <br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-642eXsibjAA/UUXtCydwbmI/AAAAAAAAACc/aXn7U_oEygs/s1600/dangerous-rope-bridge-4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="424" src="http://3.bp.blogspot.com/-642eXsibjAA/UUXtCydwbmI/AAAAAAAAACc/aXn7U_oEygs/s640/dangerous-rope-bridge-4.jpg" width="640" /></a></div>
<br />
Hopefully our financial decisions are not as extreme as crossing an old
bridge, abandoning our homes, or being chased by a Balrog - but it can often
feel that way. On one side of the bridge lies dire straits (not the band, which
would not be terrifying but, in fact, awesome) and on the other side are
security and peace of mind.<br />
<br />
<b style="mso-bidi-font-weight: normal;">Choose Your Eggs Wisely:</b><br />
<br />
Last week, I wrote about a couple of metrics (P/E and PEG) that can help
remove these fears about investing and minimize guesswork. So what are some
other ways to reduce risk without feeling like you are watching a slug climb a
mountain? Investing needs to be fun, right? Want to know why mutual funds ultimately
climb over the long run? Diversification.<br />
<br />
The beauty of modern investing is in the flexibility we as investors have.
Does it not still blow anyone’s mind that we can purchase a company whilst
sitting at home in our jammies? *Side note: sometimes I wonder if we are becoming
numb to the grandeur of technology. Anyway, the size of your portfolio no
longer limits the diversification you can attribute to your account. ETFs
(Exchange-Traded Funds) are a perfect example of this. An ETF is a fund that
holds a variety of assets (such as stocks, commodities, and bonds) and trades
openly on the market just like a stock.<br />
<br />
In 2008, the SEC voted unanimously to pass three new rules which would “increase
investor choice by eliminating a barrier to entry for new participants in this
fast-growing market, while preserving investor protections.” What they did redefined
modern investing. In 2008, the SEC…<br />
<br />
<div style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";">
</span></span>Eliminated the need for ETFs to gain approval from the
SEC to trade individual shares of the fund.</div>
<div style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";">
</span></span>Eliminated the need for ETFs to gain approval to trade outside
NAV (Net Asset Value). NAV is an entity’s assets minus liabilities – in this
case the entity is the ETF.</div>
<div style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";">
</span></span>Allowed ETFs to purchase >3% of another investment
company’s shares.</div>
<div style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
</div>
Go SEC! Essentially what this did was open the doors to a brave new world of
possibilities regarding ETFs. ETFs were no longer limited to mimicking major indices,
and investors were given a vast pool of options from which they could choose.
The new legislation made them subject to market sentiment on the fund <b style="mso-bidi-font-weight: normal;">as a whole</b> as opposed to just the
individual assets that made it up. Now the market has exchange-traded funds
that range from precious metals (such as <a href="http://www.marketwatch.com/investing/fund/dbp">DBP</a>) to information technology (such
as <a href="http://www.marketwatch.com/investing/fund/vgt">VGT</a>) instead of simply tracking the DJIA.<br />
<br />
<b style="mso-bidi-font-weight: normal;">A New Way to Trade:</b><br />
<br />
While ETFs still have management fees associated with them, they are
typically not as large as mutual funds. Additionally, there is not a minimum
investment to purchase shares and these funds are far more liquid than traditional
index funds. If you are not sitting on a pile of cash – as very few of us are –
this is an awesome way to diversify without being “nickel n’ dimed” out of an
investment. So don’t let the Balrog sneak up on you while all your savings are
stuck in your local branch’s 0.002% interest savings account – the power of compounding
doesn’t really apply at those rates. Diversifying will provide the safety net
so you can feel confident crossing this financial bridge. More of the differences between ETFs and mutual funds <a href="https://www.fidelity.com/learning-center/etf/etfs-cost-comparison">here</a>.<br />
<br />
Next week: How do I choose the right ETF and do some funds do better in different
types of accounts?<br />
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<![endif]-->Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com0tag:blogger.com,1999:blog-8529248070239054211.post-61745757148210731982013-03-04T12:12:00.002-08:002013-03-05T07:39:13.821-08:00Do buy, or not do buy...Baidu<br />
Very few people can claim that they do not remember their first experience with Google (<a href="http://www.marketwatch.com/investing/stock/goog/charts">GOOG</a>). Whether it was finding a way around reading Shakespeare cover-to-cover for high school English class or checking to see how many slices of pizza it would take to wrap the circumference of the earth, every internet-using American has found their use for Google. In June 2000, before the company even went public, Google announced the first-ever billion-URL index. Take a moment and consider that number - 1,000,000,000. One billion slices of Sbarro pizza, from tip to crust, could wrap around the circumference of the earth 63 times. In four years, Google octupled that index - over one web address searchable for each person on the earth.<br />
<br />
<a href="http://www.blogger.com/blogger.g?blogID=8529248070239054211" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><br /></a>Impressive growth was the story for this internet company. In back-to-back years the company grew their earnings by over 240%, skyrocketing it into its role as the number one search engine of all time. From 2000-2010 the internet population in the US doubled from 124,000,000 to 240,000,000 users and the online percentage of the overall population climbed from <a href="http://www.internetworldstats.com/am/us.htm">44% to 78% </a>. Not only were the number of users growing, but the time spent online per user was seeing explosive growth as well. It seemed that content was infinitely pouring into the World Wide Web, and the speed to process it was doubling every couple years. The ground was fertile for a motivated, young internet company.<br />
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<a href="http://3.bp.blogspot.com/-m0FnUeRX3XE/UTT0VIa4HKI/AAAAAAAAAB0/E891ZfdpwkE/s1600/GOOG+Chart.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-m0FnUeRX3XE/UTT0VIa4HKI/AAAAAAAAAB0/E891ZfdpwkE/s1600/GOOG+Chart.png" /></a></div>
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Now apparate 8,200 miles across the Pacific Ocean to China. According to the latest statistics, China currently has 564 million internet users - <a href="http://www.cnnic.net.cn/hlwfzyj/jcsj/">more than twice as many as the US</a>. The craziest part? <b>That is only 41% of China's population of 1.3 billion.</b> Insert Baidu (<a href="http://www.marketwatch.com/investing/stock/bidu">BIDU</a>). In layman's terms, Baidu is the equivalent of China's Google. The company was incorporated in 2000 by tech entrepreneur Robin Li and has since been a huge success. As of Q3 2012, Baidu held a firm position at the top of the search engine industry with an <a href="http://www.chinainternetwatch.com/1832/search-engine-market-update-in-q3-2012/">80% share of the market in China</a>.<br />
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<b>Intelligence Investing:</b> <br />
Let's pause right there for a moment and talk about some of the principles of intelligence investing. Intelligence investing is the same as value investing (buying into solid stocks when they are down) minus the shame one feels for shopping at Walmart. One of the main tools used in this technique is the price-to-earnings ratio (P/E). The formula is simple:<br />
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Common Stock Share Price / Earnings per Share (EPS)</div>
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So basically, if ABC company profits $1 million and has 1 million shares, the EPS will be $1. If the current share price is $20, the P/E would be 20. Different industries have different average P/E ratios due to the industry's growth potential. For example, a small tech company will likely have a higher average P/E ratio than a large utilities company because the market is anticipating faster growth. </div>
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So if P/E ratios depend on the industry, how do you know you've found a good buy? One way is to look at historical P/E ratios for the stock or the five-year average. For a steady stock with predictable growth, like McDonald's (<a href="http://www.marketwatch.com/investing/stock/mcd">MCD</a>), a current P/E ratio that is lower than the 5-year average could signify a great opportunity to buy. This information can often be found on your broker's website. The information below was pulled from Fidelity:</div>
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<a href="http://4.bp.blogspot.com/-O1tjh8m6Bj4/UTTFTsK4TJI/AAAAAAAAABk/tVPoeXpbqDs/s1600/MCD.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="196" src="http://4.bp.blogspot.com/-O1tjh8m6Bj4/UTTFTsK4TJI/AAAAAAAAABk/tVPoeXpbqDs/s640/MCD.png" width="640" /></a></div>
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Since the 5-year average (16.35) is similar to the current P/E (17.85), we can assume that Mcdonald's is fairly priced (if not slightly overvalued).</div>
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Another way to see if this low P/E'd stock is a winner is by glancing at the PEG (price-to-earnings growth) ratio. The PEG ratio is calculated by dividing the P/E ratio by the annual EPS growth. If our ABC company is growing at an annual rate of 20% (remember, the P/E is 20) then the PEG would be 1. Having a PEG of one generally means that the P/E ratio is appropriate for the given earnings growth. As a PEG ratio creeps closer to 0, it indicates that the stock is undervalued and may produce higher returns*. </div>
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<span style="font-size: x-small;">*Don't be <span style="font-size: x-small;"><span style="font-size: x-small;">ridiculous</span> - having a low P/E and PE<span style="font-size: x-small;">G will not produce positive returns</span> 1<span style="font-size: x-small;">00% of the time</span></span></span>. <span style="font-size: x-small;">All of these numbers are metrics, not mathematical proofs</span>.</div>
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<b>My Take:</b></div>
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<b> </b>There are very few tastier-looking fish in this pond. Baidu has taken a recent fall due to increased competition from fellow Chinese software company Qihoo 360 (<a href="http://www.marketwatch.com/investing/stock/qihu">QIHU</a>) and has also tracked downward alongside the Shanghai Composite Index over the past year. I believe the fears of competition are overblown. Even if Qihoo <i>were </i>chipping away at Baidu's titanic market share, internet penetration rates are still only at 41% in China - where the US was 12 years ago. With that kind of growth potential I might just go over to China and start a search engine myself. The chart below shows that growth (although trending lower) is still at explosive levels. Google is still considered a groundbreaking company, but current growth levels are not near what Baidu's are.</div>
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<a href="http://1.bp.blogspot.com/-35m19e7ZYSs/UTT4slft0oI/AAAAAAAAAB8/6E_4O4VEWlc/s1600/GOOG+vs+BIDU+Chart.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-35m19e7ZYSs/UTT4slft0oI/AAAAAAAAAB8/6E_4O4VEWlc/s1600/GOOG+vs+BIDU+Chart.png" /></a></div>
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<a href="http://3.bp.blogspot.com/-dAMEjyVfmBQ/UTT9dj6hoiI/AAAAAAAAACM/SPX6Du2KWUQ/s1600/BIDU+Chart.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-dAMEjyVfmBQ/UTT9dj6hoiI/AAAAAAAAACM/SPX6Du2KWUQ/s1600/BIDU+Chart.png" /></a></div>
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Baidu's recent fall has put its P/E ratio at a mere 19. This is compared to its five-year average of over 53. It is rare to find lower than this company's PEG ratio of 0.64 in the tech sector (except Apple, at 0.51, but that is another blog post for another day). Oh, and did I mention? Baidu has over $5 billion in cash. </div>
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<b>Disclosure: </b>I am not receiving any compensation from any of the companies mentioned. I have positions in MCD, BIDU, and AAPL. I have no positions in GOOG, but I wish I did.</div>
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Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com0tag:blogger.com,1999:blog-8529248070239054211.post-60480290971830650072013-02-25T15:45:00.001-08:002013-02-25T16:02:44.483-08:00An Owl's Guide to Investing<!--[if gte mso 9]><xml>
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<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">Almost exactly one month ago, I received a picture message at work. This is
nothing out of the ordinary, as the practice of physically showing you the many things that are
wrong with your department is common and encouraged amongst bosses. To be honest, my own phone is stuffed
with photos of the subtle inadequacies of my subordinates. Cardinal rule #1 of
bosshood is to constantly remind everyone else that you know how to do things
better than they do. And I definitely do. Which is why I blog.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">But this photo was different than the others - it was from Caitlin. This did
not, however, preclude the possibility of a display of my shortcomings (due to
the striking similarity between wives and bosses). But when I opened the photo,
I was not greeted by a snapshot of our bedroom floor littered with my clothing
or the sink full of dishes, but by a nose. The nose had a backdrop of two
round, puppy eyes and a pair of big floppy ears. It was the ears that got me.
These were not your average cute puppy ears, but more of a "these ears are
a trip hazard to everyone in a 10 foot radius" pair of ears. "CAN WE
KEEP HER?" read the message below. And that is the story of how we
obtained a puppy.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">That night I came home from work late. Caitlin was working a night shift,
and I was excited about meeting the new addition to our family. As I walked
down the hallway to our apartment, I could sense that something was amiss.
Things were quiet...too quiet. Caitlin had already left for the night, so I
slowly retrieved my keys from my pocket. The cluster of keys clinked as I
raised them to unlock the door. That's when I heard the crash. I scrambled to
get the door open, but it was too late. To this day I do not understand the
physiology behind it, but I am no veterinarian. Within the five seconds that it
took to unlock the door, our new pup ("Lady") had vaulted herself
over the gate, bolted across the living room, defecated directly in front of
the door, and then retreated behind the couch. As I burst through the door I
tripped to avoid the poop. Scenes from Home Alone flashed before my eyes as I
plummeted to the ground in slow motion.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">Fortunately the poop was spared and I survived the tumble.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">One of the most important lessons I learned about investing early on was
that everyone makes their own first impression. There is always an initial
hurdle to get over in order to make your portfolio successful. If I had taken
my initial hypothesis of Lady (malevolent dog will poop on the floor whenever
loose) and failed to give her the opportunity to prove otherwise, there would
be no room for growth. </span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><b>The Rules</b></span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">There are a lot of "rules" out there when it comes to market
investing: rules to double your money in 30 days, rules to turn pennies to
profits overnight. Beginning investors must first learn the rules of valuation
before determining what advice they want to take. </span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><b>Know the market; know the numbers - </b>Never take a professional's word as an ultimatum. Equip yourself with the tools to reinforce personal and
professional theories. How do you determine the health of a business? How do
you explore the potential of a market?</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">The first company I ever bought into was Bank of America (<a href="http://www.marketwatch.com/investing/stock/bac">BAC</a>). With only one
introductory accounting class under my belt, I purchased 100 shares of a
company that was down-and-out in the hopes of a bounce-back from the national
stalwart. Bank of America had seen a catastrophic drop in 2008 from over
$50/share down to under five, but had recently bounced back to $7.20. Value
investing at its finest, right? </span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">I would like to say that my gamble payed off. I would like to say that I
foresaw a frenzied rush of investors with dollar signs in their eyes. But when
the engines started to rumble and the stock kicked into gear, I was nowhere to
be found. Within 18 months the company breached $18/share. I had been left in
the dust, having sold my shares six hours after purchasing for a 2% loss…minus
commission.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">What had happened? My opinion-based research had been extensive, so why did I back out? The truth is, there is a difference between being convinced and being assured. It is
important to remember that there is no methodology for guaranteeing a profit in
market investing (if you know a methodology, please leave the algorithm in the
comment box below). Figure out the formula that you believe to be a winning
combination so that you can <b>rest assured</b> in your decision as opposed to
being convinced by secondhand research. I'm not saying that reading other
savvy investors' opinions is the path to ruin, just that there will always be
opposing outlooks to shake your faith. Fear and doubt are the enemies to
growing your wealth. Investing should be exciting and - dare I say it - fun.
Without a solid foundation based on numbers, you are leaving a gap for fear to
seep in - which leads me to my next point:</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><b><br />
"Re-research" your stocks regularly -</b> <span style="mso-bidi-font-weight: bold;">The</span> choice to become a shareholder in
a company is simultaneously a decision to own a business. Due to the rapidly
evolving nature of these modern businesses, it is essential to periodically ensure that the
ship is still pointed towards its original destination. A change in management or a spinoff of a
subsidiary can quickly alter the dynamic of a company. Monitor the financials
of the company in conjunction with the organization's shifting focus. Depending
on the size of the company, the effects of these changes can swing a value
investment to a growth investment and vice versa.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">In addition to keeping up with corporate news, it's not a bad idea to create
a spreadsheet and track key figures week to week or month to month. Numbers
such as the price-to-earnings ratio, current ratio, debt-to-equity, etc. are
the lifeblood of the company. It is important to check these vital signs and
see how they trend over time.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><b>Conclusion (for today):</b></span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">The stock market has a notoriety that investors either tend to take too
seriously or too lightly. Diversification is one of the keys to dispelling the
uncertainty surrounding this notoriety. Always remember to do your own research
before buying into the opinions of others, and keep up with the great
investments that you choose.
</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">Back in my apartment, I eyeballed the small mound of "narrow miss" from my vantage point on the carpet. As I picked myself up off the floor a thought ran through my
head. I was actually thankful for this experience. How am I supposed to know
how to effectively train her if I don't experience her mannerisms? Ok, maybe I'm stretching it a little bit - truthfully, the only thoughts crossing my mind at the time were "what is
my game-plan for eluding PETA over the coming months" and "is punting
puppies illegal?" But hindsight is 20-20. When it comes to investing, it is prudent to take the positive approach. Trust the numbers and be
grateful for the opportunities at low points - after all, a crated dog will learn
no tricks.</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">Next time: My 'not so conservative' stock pick of the week</span><br />
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br /></span>
<span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><span style="font-size: x-small;">Disclaimer: no puppies were punted in the writing of this blog.</span></span><br />
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<![endif]-->Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com0tag:blogger.com,1999:blog-8529248070239054211.post-33998269899832703742013-02-18T09:03:00.000-08:002013-02-18T13:45:03.747-08:00Welcome to the Nest<b>Who am I?</b><br />
<br />
It has been over twenty years since I last considered the answer to this question. As I grew, the introspection that had once frequented my five-year-old noggin was cut short by the responsibility of making my own decisions. Which stuffed animals should I strap to fireworks? Which GI Joes should I strap to fireworks? Which of my hamsters should I strap to fireworks? The decisions grew in complexity, as did their answers.<br />
<br />
But there comes a point in life when new decisions are harder to come by. The anxiety that riddles the untested heart is replaced by a wisdom that can only be obtained through experience. Now many of those questions have come and gone, freeing me to once again focus on my purpose. <br />
<br />
My name is Robert Wise and I am a Christian. My faith is very important to me, though I do not always act it out in the most effective ways. I currently manage three things: people, money, and survival. While Darwin's theory causes the last to be the most difficult for me, I probably spend the most time considering the first two. I work as an area manager for the e-tail giant, Amazon.com. I run the shipping department in a 1.2 MM square-foot warehouse and manage a team of about twenty-five. I am the son of my two loving parents, Steve and Barbara, and one of four brothers. I am happily married to a brown-eyed, curly-haired beauty named Caitlin, and we have a three-month-old puppy who we believe may have been planted in our country by the Chinese Government. <br />
<br />
We currently live in Richmond, VA.<br />
<br />
<b>How am I qualified to blog?</b><br />
<br />
I am completely unqualified to blog. I did, however, take a crash youtube course in "blah-gging". Blah-gging is very similar to blogging, except blah-gging requires a good portion of the words to be spelled incorrectly and/or used in the wrong context. Sentences and paragraphs must also frequently be incoherent and will often end in "but...yeah". But...yeah.<br />
<br />
So far as my credentials go:<br />
<ul>
<li>In May 2012, both Caitlin and I graduated from the University of Tennessee. I graduated Summe Cum Laude in Industrial Engineering with a minor in Business Admin. Caitlin graduated Summe Cum Laude in Nursing and will be proof-reading all my blogs due to my inherently bad grammar. </li>
<li>I have spent the past four years researching stocks and investing in them. I started learning about the stock market during my sophomore year in college, after I realized how little I knew about managing my own money. I now manage a diverified portfolio which ebbs and flows around the mark of 20 different companies and Exchange Traded Funds (ETFs). </li>
<li>I have also just finished skimming <a href="http://www.amazon.com/Complete-Idiots-Guide-Basics-Edition/dp/0028644492/ref=sr_1_3?ie=UTF8&qid=1361203732&sr=8-3&keywords=complete+idiots+MBA+basics"><i>The Complete Idiot's Guide to MBA Basics (second edition)</i></a> and get the gist of it. </li>
</ul>
<span style="font-size: x-small;">Disclaimer<span style="font-size: x-small;"> I: "blah-gging" does no<span style="font-size: x-small;">t actually e<span style="font-size: x-small;">xist<span style="font-size: x-small;">. It is a <span style="font-size: x-small;">fictitious te<span style="font-size: x-small;">rm playing off the word<span style="font-size: x-small;"> "blogging"</span></span> </span></span></span></span></span></span><br />
<ul>
</ul>
<b>What is the focus of this blog?</b><br />
<br />
This will be an financial blog with a heavy focus on the stock market. Before you fall asleep, please note that not all things financial have to be boring - just ask Bernie Madoff. Talk about scandal. That man has had more drama in his life than Robert Crawley. This blog will regularly pull from three primary areas of focus:<br />
<ol>
<li>Education - Price-to-Earnings Ratio, Ponzi Scheme, Case-Shiller Index - What do they mean and why do I need to know about them? This information will be strictly factual and riddled with examples. I will also point readers towards helpful websites and tools.</li>
<li>Ideas & Thoughts -This is where focus is shifted to theory. My childish curiosity will ask "what if?" but my engineering brain often screams "PROVE IT". I plan to do both. </li>
<li>Advice - This will be fueled by the two previous areas of focus. </li>
</ol>
<b>My promise:</b><br />
My promise to readers is that the facts I give will be factual. My advice will be open and honest and will translate to either something that I have done or something that I am thinking about doing. I will keep things interesting - but to the point - and I will welcome feedback. <br />
<br />
<span style="font-size: x-small;">Disclaimer II: This blah-g is subject to change.</span><br />
<span style="font-size: x-small;">Disclaimer III: I try to be right a lot, but sometimes I am not right. Deal with it.</span>Anonymoushttp://www.blogger.com/profile/12828763578222095894noreply@blogger.com2