Simple Investing Strategy, Affordable for all!Hey! Everybody wants to get rich. But not many from us know what it takes. In this article let's discuss Investing income from annual percentage yield (APY) . Key point is the percentage of income can be different from your location, but lets make our calculations from 8.0% APY.
Why this strategy is Affordable for ALL? Well, for calculation I've used only $161 of monthly investing.
I understand for some person this is nothing, and for another it is a lot. But you can calculate your own affordable investing amount per month and use it. Consistency is the key!
Another point why its affordable, its because you don't need to have a lot of money at the beginning. You can start from minimal deposit allowed by service/fund/bank (APY provider) where you allocating your funds.
Please, note, this is simple and affordable investing strategy. But still THIS IS NOT 100% SAFE STRATEGY... There are several risks of losing your money after all. Mostly this risks depends on APY provider, so I recommend to change your APY provider over a time, and to secure your funds use multiple providers.
Let's see how we get this numbers and first of all it is important to keep consistency during all your investment journey. Remember, this way can make you millionaire and can create a fortune for your kids.
To understand how this works, let's see what is Compound Interest:
Compound interest is the concept of adding accumulated interest back to the principal sum, so that interest is earned on top of interest from that moment on. The act of declaring interest to be principal is called compounding. Financials institutions vary in terms of their compounding rate frequency - daily, monthly, yearly, etc.
Your savings account may vary on this, so you may wish to check with your bank or financial institution to find out which frequency they compound your interest at. I used monthly compounding to calculate final value.
With savings accounts, interest can be compounded at either the start or the end of the compounding period (month or year).
Compound interest formula
Compound interest, or 'interest on interest', is calculated with the compound interest formula. Multiply the principal amount by one plus the annual interest rate to the power of the number of compound periods to get a combined figure for principal and compound interest.
This formula is base of all interest calculations. To get easier process of calculation, I have used online Compound Interest Calculator.
Best numbers we can get if we start investing early, but it happens we see right information too late, and we ask ourselves "Is it good time to start?" — I can say for sure, YES! Always good idea to start investing in your savings account. Trading is trading, but investing is a little different. You can invest in markets, or in savings accounts.
Now let's see "worst case" — you starting your investing journey at 40 years old.
How much you can earn on savings account until 60?
I have calculated it with calculator, and used only $161 investments/savings per month with APY of 8%.
You can see after 20 years of savings this amount of money (pretty much affordable for many people out there) you will get about $95,464 Final Value. Very impressive. Imagine if you can save more from your income each month... For example if you can save $1000 monthly, you will get $592,947 Final value after 20 years on your Savings Account.
Middle scenario — investing for 30 years on your savings account. Until 60 you can earn solid $241,547 Final value, investing only $161 per month!
Now if you can invest about $500 per month from your income you will get amazing $750,147 Final value.
And of course best scenario — start investing on savings account early from 20y.o. This way you can get $565,799 Final value by 60 y.o.
And if its possible to save more, let's say $250 monthly, you can get $878,570.30 Final value by 60 y.o.
So in order to get rich, you don't need to invest a lot of money. Just make you investments consistent, and improve your financial education.
Hope this article can inspire you to create your savings account and plan your future.
Best regards,
Artem Crypto
Annual
Bearish Divergence Bearish Divergence on the monthly time frame indicating a big bearish morvment is about to happen.
RSI also showing market exhaustion where the bears are taking control
Stochastic showing the market is over bought.
and the candles on the chart is showing chop and wick to the top side.. indicating bulls loosing momentum and a reversal is imminent.
DXY annual trendIt's not rock science.
The trend is your friend. Or not your friend is you're in the US.
XAUUSD W1 Potential Annual Vibration to 2024Using WD Gann annual vibration methodology just like what he did on DJIA 1929 annual forecast.
✅ UPDATE: Whaley Breadth SignPostI am updating how we are progressing on the post I shared on 4th of FEB
So far the action is normal compared to historical precedents. Read the linked post.
My anticipation is that we can go another 3% lower from here.
I wil use this signpost as a map for the year unless we start getting large deviation from it.
$TEDU can rise in the next daysContextual immersion trading strategy idea.
Tarena International provides professional education services through full-time and part-time classes in the People's Republic of China.
On 24 April the company announced that it has filed its annual report on Form 20-F for the fiscal year ended December 31, 2018 — finance.yahoo.com
The demand for shares of the company looks higher than the supply.
These and other conditions can cause a rise in the share price in the next days.
So I opened a long position from $4,64;
stop-loss — $4,34.
Information about take-profits will be later.
Do not view this idea as a recommendation for trading or investing. It is published only to introduce my own vision.
Always do your own analysis before making deals. When you use any materials, do not rely on blind trust.
You should remember that isolated deals do not give systematic profit, so trade/invest using a developed strategy.
If you like my content, you can subscribe to the news and receive my fresh ideas.
Thanks for being with me!
[HOLD/BUY] Monotype# Fundamental Analysis
## Long term debt
- On September 2016, Monotype got 110M on Long Term Debt. Goal: 2 acquisitions.
- On September 2018, the Debt decreased by 27% (80M).
## Buybacks
- During 2016, only 6M were invested in buyback.
- During 2017, only 6M were invested in buyback.
- During 2018, in the first 3Q, Monotype invested 7M on buyback. And we still pending the Q4 reports (we are going to see them on Feb 15)
^^^ This last item may be considered as a positive Balance Sheet
- We are expecting a 5M long term debt payment during 2018 Q4, resulting in a 75M long term debt.
## Balance Sheet
- On September 2018, Monotype has 70M in CASH, covering more than 90% of the Long Term Debt.
We expect, during Q4 report (publish on Feb 15, 2019), seeing a Long Term Debt 100% covered by CASH, and a Long Term Debt less than 20% of the Equity, resulting in some indicator changes (positive).
# Technical Analysis.
- In the short term, we can see some accumulations limits on 16, 16.25, 16.75. They may be related to some good expectations about next Q4 report.
- Value crossed a huge resistance line, after dealing with it during a whole week.
- On another hand, Monotype seems to be on the top of the canal. May result in a decrease in the value. If Q4 results are positive, it may change from SHORT to LONG.
- Price going up with no volume. It can be considered as good expectations for the Q4 announcement.
# Summarize
[HOLD/BUY] Monotype# Fundamental Analysis
## Long term debt
- On September 2016, Monotype got 110M on Long Term Debt. Goal: 2 acquisitions.
- On September 2018, the Debt decreased by 27% (80M).
## Buybacks
- During 2016, only 6M were invested in buyback.
- During 2017, only 6M were invested in buyback.
- During 2018, in the first 3Q, Monotype invested 7M on buyback. And we still pending the Q4 reports (we are going to see them on Feb 15)
^^^ This last item may be considered as a positive Balance Sheet
- We are expecting a 5M long term debt payment during 2018 Q4, resulting in a 75M long term debt.
## Balance Sheet
- On September 2018, Monotype has 70M in CASH, covering more than 90% of the Long Term Debt.
We expect, during Q4 report (publish on Feb 15, 2019), seeing a Long Term Debt 100% covered by CASH, and a Long Term Debt less than 20% of the Equity, resulting in some indicator changes (positive).
# Technical Analysis.
- In the short term, we can see some accumulations limits on 16, 16.25, 16.75. They may be related to some good expectations about next Q4 report.
- Value crossed a huge resistance line, after dealing with it during a whole week.
- On another hand, Monotype seems to be crossing the middle of the canal. May be resulting in a decrease of the value.
- Price going up with no volume. It can be considered as good expectations for the Q4 announcement.
Intel Releases their Annual ReportINTC Annual Report
Five years ago, we set out a strategy to transform from a PC-centric to a data-centric company. Our 2018 results serve as a strong proof point that our strategy is working and our transformation is well underway. We achieved record revenue and earnings per share (EPS), driven by strong business performance, continued operating leverage, and a lower tax rate. Revenue from our data-centric businesses collectively increased by double digits. Our PC-centric business grew above our expectations and continued to be a source of profit, cash flow, scale, and intellectual property (IP). While we have had delays in implementing our 10 nanometer (nm) manufacturing process technology, we have continued to innovate in our 14nm products, introducing leadership products that deliver more value to our customers. We've expanded beyond PC and server businesses with significant growth in adjacent products, and gained share in an expanded $300 billion TAM1. Our employees are executing to our strategy by developing compelling technology and delivering innovative products to our customers, enabling strong financial growth.
Step by stepAs we assumed earlier, our pair fell below the assumed level of resistance at the mark of 1.3130 and easily overcame the previously established level of 1.3075. However, the price returned to it, again moving downwards and updating the annual lows. A new level of support at around 1.2960 was set. Now the pair has moved away from this mark by going into correction.
Currently the last candle is headed down, and the technical indicators are unfolding for sale. Therefore, we recommend taking short positions and setting your goals near the support level. We also assume that the pair can again update the annual lows, so we advise you to move your stop loss to profit by watching a downtrend.
Should Read Their Yearly ReportWas wondering why the sudden decision to close Sam's Club but once you see that Sam's Club has not been generating as much revenue. It all makes sense. Interesting move that makes their numbers look amazing really. So how does this play out in the long run. 1) Closing stores brings down cost since running those stores are not cheap in any way. 2) Makes the math look great. There's a college joke that goes around. If we drop the students with the lowest GPA and transfer them to another school. The GPA of both schools will increase. (Sad through really). They close Sam's club that are doing poorly and in return, the numbers for Sam's Club on paper will increase. As is Sam's Club really did not have a great few year.
s2.q4cdn.com(1).pdf
If anything, if you were a shareholder and saw Sam's Club results. You would most likely drop them too. As is Walmart does not have the greatest reputation so increasing wages and closing stores randomly helps them in both front. Wage increase shows their care for their workers and random closure just keeps people guessing. (Which explains why their stocks did not go as high as it should have.)
Anyways, have fun dissecting the rest of the report. Got to go back to class now.
2017 FORECAST S&P500 INDEX DAILY, by Tim West2017 FORECAST - S&P500 INDEX - Daily
Here we are again: January of a new year. The election is behind us. And the recount is behind us too. So many bombs dropped over the last year, both real bombs and word-bombs by Presidential candidates. The word-bombs seem to get all of the attention with Trump winning the "best word bomber" last year by Time Magazine as the "most noteworthy" person in the world. Now with that out of the way, once again we have the same variables facing the market: plenty of headwinds and tailwinds. See 2016 list, to your left in blue.
I like to start with an understanding of what "expectations are out there" and I do that with the Wall Street consensus for the Year-End S&P500. I added that with the RED BOX at the top which is around the 2300-2400 range. There are some above and below that range, but that gets 90% of the estimates.
The 2085 level was the launching point of this latest advance from before the election and that level was retested in the hours after the election results indicated Trump the winner. The market action up until that point, together with the lowest-ever-50-week readings of AAII Investor Sentiment Readings indicated to me that we had COMPLETED a bear market at this point in time. I view a bull market as 20%+ so a move to $2500 in the S&P would accomplish this technical feat. With plenty of skepticism, fears aplenty, high cash, massive retail selling of equities and mutual funds, high short positions, and "no bear market in prices" suggests very strongly that a 20% rally from 2085 is likely, and possible.
What I foresee happening in the first half of the year is the time window for Trump to get the most on the table for pro-growth, tax-cut, red-tape-cutting, Obama-care bashing, "Make America Great Again" pushes for change in the House and Senate. I hope we see Reagan-like Investment Tax Credits, Cuts in capital gains tax rates for young and small investors to get investment capital moving and to get banks lending again.
The second half of the year, especially towards the end of the year, I foresee a correction in prices back to the start of the year on signs that there is friction in the Republican Party and fears to make bold and broad changes to the tax laws and concerns about the credit rating and borrowing capacity of the US. The Democrats will be stalling with threats to shut down the Gov't and doing everything in their power to stop the changes Trump is pushing through.
Tim West January 12, 2017 10:54PM EST
I made this chart over a week ago and decided to keep ALL OF THE TEXT on the graph from past year's to show you that I didn't change anything. You can review the previous year's graphs from the links below for 2016, 2015, 2014, 2013. I must say the pressure is much higher after I have done four years in a row that are very close to what has happened. I think, in hindsight now, that it was easier because we had a 2nd term President who didn't change much in his view of the markets, economics, or philosophy. Whatever does happen, I wish you peace and harmony as you make your investment decisions throughout the year. Imagine different scenarios in advance and decide what you will do, in advance, so you can be better prepared when change does happen. Stay in touch throughout the year by clicking "follow" on this chart to get important updates. In the past two years I was able to catch the major bottoms and tops throughout the year.
