Finding the appropriate time to leave behind the unforgettable moments that you experienced in your home is sometimes stressful, but it's always the time to move forward to get a new investment. Statistics in Las Vegas real estate show that the average family is ready to jump into a new home almost every 5 years, so how you interview the best candidate is going to help you to sell your most valuable asset and move to the next step of finding your...more
1. You think you need 'Image' or 'branding' advertising because that's all the so-called 'top guns' use in their advertising. You don't use direct response advertising they don't and you'd think they know best.2. You never offer compelling benefits that cause your prospect to want to do business with you of your competitor.3. You don't use powerful, benefit driven headlines that literally stop your prospect in their tracks and draw them into the...more
Our investing journey revolves around finding the fair value of a common stock. You can invest in companies that grow rapidly and lose money. On the other hand, you can also invest in companies in a declining industry, yet you can still make money. Investing profitably does not merely depend on what you invest in, but rather how much you pay for a given company.Therefore, let's look at company with negative earning growth. How do we value them? For a 0% growth company, P/E ratio for the fair value is 13.4, which is equal to 7.45% return year in and year out. For negative growth company, P/E ratio should be lower of course, since it is giving less and less as the year goes by.Let's try valuing negative growth with the following assumption. EPS growth is negative ten percent for the next five years and then stay constant. EPS for the current year is $ 1.00. So, after five years, EPS will come in at $ 0.59. Now, this is the constant $ 0.59 that we will get five years from now. The value of that cash flow today assuming 4.5% discounting rate is $ 0.47. Applying P/E of 13.4, this company is fairly valued at $ 6.34. Currently, earning per share comes in at $ 1.00 per share. If you look...more
Is it time to juggle your portfolio? Perhaps. The year end is less than two months away. I have elaborated on the importance of fall season as the best time to rearrange your portfolio. Mainly, stock that rises during the year will continue to rise heading into year end. On the other hand, stock that underperformed, will continue to be sold heading...more
Our investing journey revolves around finding the fair value of a common stock. If you can find stocks that are cheaper than its fair value, it is probably a buy. If your stock holding rises way above your calculated fair value, it is most likely a sell. This fair value is not constant, fluctuating due to several factors from interest rate movement...more
Finding a job has become much more of a challenge in recent years. Using the Internet as an additional resource will increase your options to find many great job opportunities, which are not always advertised in the newspaper. Many employers will place an online advertisement in conjunction with or in place of an ad in the local newspaper. Job boards, as they are called, allow you to search online among many jobs in your category of choice. They allow you to narrow down prospects, and many will even provide a direct link to a company's Web site, fax and e-mail address. Through job boards, the submission of resumes is almost exclusively done in the form of e-mail correspondence. This offers benefits to jobseekers as well as to the employers. Sending resumes by e-mail saves time and money. You don't need to buy envelopes and stamps and go to the post office, then wait for a few days until the company receives and reviews your resume. When employers receive the resume through an e-mail they will be able to respond much quicker to those whom they think might have potential. Use of a home computer is the easiest way to manage your job-seeking strategies. However, if you don't have a...more
1. Determine Your Market Value: Some of leading edge real estate brokers offer a free over-the-net home evaluation. Online; city and county tax records, Realtor.com, bank on line home evaluation tools. Local legal business newspapers.2. Preparing...more
There are many people young and old that are in great need of a credit card. This can be for many reasons. Some people need help with bills that they don't have the cash for. Others want a credit card so they don't have to carry cash. Some people...more
Have you ever wondered why investors behave the way they do? For example, why do people invest in bonds or stocks or not at all? Since I am an advocate of stock investing, let me make the case for stock investing.So, why invest in stocks? No, I won't...more
Nicholas Darvas was a brilliant investor, and one of the first traders to use technical analysis. At the height of his fortune, he made 2.2 million dollars. If Darvas had invested today, that 2.2 million would be 20 million!Before Darvas came to...more
IntroductionThis article introduces the problem-solving model as a technique for managing performance issues that are more controversial, or that are not effectively addressed through coaching or feedback. Issues such as tardiness, being out of...more
Scheduling my team has always been one of my least favorite tasks as a retail manager. It's tedious, it takes hours and even when I think I have it right, I probably don't. What makes scheduling a challenge is that you are balancing the demands of...more