My Investment Portfolio Vs. The S&P 500

what’s up ladies and gents and welcome back to the tech cash house. So if you like this content feel free to leave a like share and subscribe and hit that little notification button below to receive an update every single time the tech cash house uploads another REO so in this article I’ll actually be talking about my portfolios distribution and how it kind of compares with the S&P 500 or the SP Y ETF so what I have pulled up here is a very useful tool by Morningstar and it’s actually their Morningstar instant x-ray portfolio overview tool bit of a long name. But it’s actually quite useful when it comes to analyzing a portfolio so essentially what I want to go for when I was setting up this portfolio here which is currently valued over at around $22,000 or. So. I actually really wanted to go for a setup that was a little bit less sensitive in terms of growth and a little bit more. You know. had a little bit more dividend payouts or ahead had more of a dividend yield I should say making up the portfolio which essentially. Now that I’m reviewing this is pretty much what I ended up getting so I’m gonna go through these numbers kind of talk about things and how my portfolio stacks up versus the S&P 500. You know. cover whether or not I think it’s adequate what changes I’ll probably be making or if I’ll be making it changes at all and it should be pretty interesting so first things first let’s look at the overall distribution here so here we have cyclical which includes basic materials consumer cyclical etc my portfolio 27% stocks are cyclical the sp500 32% are cyclical so obviously my portfolio is a little bit less cyclically heavy than the S&P 500 for sensitive stocks such as communication services energy industrials technology. Okay, my portfolio is pretty sensitive heavy 53.4 2% is actually sensitive. So I have a lot of. You know. more technology centered stocks such as communication services technology stocks that do fall in this range so 33 percent of the portfolio is actually technology related only 21% of the sp500 technology-related. Now technologist stocks are performing pretty well right. Now I could see a technology crash happening. You know. sometime in their future. But if technology keeps growing at its current rate it could end up being alright which is really why I wanted to focus more on I wanted to focus a lot of my attention on the technology portion of things defensive nineteen point O three percent compared to the S&P 500 twenty five percent. You know. once again I am slightly less concerned about defensive. Because I am a younger investor I’m more willing to. You know. kind of go more into speculative and aggressive growth I think and I’m focused less on classic and slow growth essentially so really. You know. those all break down pretty much how I wanted them to moving on here to the stock type holdings detail high-yield ok my portfolio is four point two seven percent high-yield that’s slightly higher than the S&P 500 it’s two point one five percent distressed slightly higher than the S&P 500 hard asset Oh point zero one percent lower that’s barely anything so that’s for all intents and purposes the same cyclical rated it is actually pretty darn close slow growth. Okay, lower about four percent lower classic growth about five percent lower we’re roughly four percent ler let’s see here aggressive growth about one percent higher speculative growth a good one to two percent higher so not classified is also higher also which typically denotes more speculative growth or a non classified ETF or stock so essentially once again this pretty much breaks down how I wanted to it’s less focused on slow and classic growth. But there is a pretty good representation here and it’s more focused on aggressive and speculative growth is slightly so. But at the same time that’s pretty much what I wanted expense ratio here 0.31% per year many of these smaller ETFs actually have slightly higher expense ratios which I don’t necessarily love. But I can live with expense ratio F similarly weighted hypothetical portfolio 0.5%. So this is slightly less expensive on average estimated mutual fund expenses six seven dollars and forty-five cents per year that’s really not too bad and actually pretty manageable so as you can see here I have a lot of North American exposure some Latin American about one percent United Kingdom about one percent Europe developed about five percent Europe emerging about 0.5 percent I believe I’m looking at that correctly Africa Middle East point four percent Japan two point four seven percent Australasia 0.53% Asia developed one point nine seven percent in Asia emerging four point two eight percent so a pretty good spread their overall that’s a different percentage is spread across lots of different areas and regions so that’s not too bad decent exposure. Okay, so price per price per perspective earnings essentially this looks like it’ll be maybe one point zero one percent higher or so than the S&P 500 a one means that it’s it’s meeting the S&P 500 standard above one means slightly exceeding below one means means not exceeding or performing lesser than the S&P 500 price per book ratio 1.07 percent slightly higher once again return on assets are way lower 0.91. Okay, more cyclical more technology-based that’s a lower return on assets it’s pretty typical with that return on equity slightly lower again 0.87 percent. So, you know. once again less value less slow and core growth stocks which once again. You know. a slightly lesser valuation projected earnings per share growth over the next five years or per year over the next five years percentage ten point eight two percent relative to S&P 500 1.09 so actually slightly higher yield 1.88 percent so 1.0 four times the S&P 500 so slightly higher again the market camp here is about half of the S&P 500 however with more aggressive and speculative growth I would expect to have lower market caps so really for me as a younger person. I think that this portfolio is OK I will probably try to refine some things and I will also be checking for overlap in the investments that. I actually have to make sure I’m not invested and. You know. ETFs that overlap each other too much I think that’s pretty critical to consider so be doing that in a later article. But I just want to talk about this a bit kind of cover what exactly I’m looking at here. So, you know. the percentage of Holdings here top holdings is actually the Vanguard S&P 500 growth ETF followed by Vanguard total stock market ETF vti followed by I shares exponential technologies fund followed by banker and information Vanguard total world fund of ET for some decent world exposure power shares this would be 500 a LPS sector dividend fund that vanguard ftse emerging markets OVW oh-yo chairs high inc yyy and finally first trust Dow Jones so those are the top exposed funds they all have a pretty good year today Total Return which once again this portfolio focuses more on. You know. more speculative and more aggressive growth so we’ll see how this all plays out just want to make a quick article about that thank you all for watching and I’ll see you all in the next one as always thank you so much for watching your viewership is greatly appreciated and we hope to see you for the next article this channel is powered by viewers like you. So if you want to support the tech cash house feel free to visit our patreon page.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My DIVIDEND PORTFOLIO Stock Allocation Strategy (Investing For Dividends)

so. I personally own 36 stocks in my dividend stock portfolio and I’ve been investing for over 20 years I invest for dividends and cashflow and my youtube channel is doing really well I’m getting a lot of subscribers and. I get a lot of questions that are coming my way asking me hey Ian can you share with all of us a little bit more about your portfolio you’ve talked in the past how you set your portfolio up with core positions medium positions and small positions can you talk a little bit about that strategy and how it applies to your portfolio how many of the core positions do you own how many medium how many small how do you divvy up your asset allocation in your dividend stock portfolio well what you see right here that is my stock portfolio I just crunched a bunch of numbers in Excel and I want to share with all of you a little bit more about my personal dividend stock portfolio in today’s article hey everyone welcome this is Ian Lowe puck from PPC Ian calm I am so happy to have you here on my channel this channel is all about investing for passive income in cash flow so that all of us can earn money while we sleep. Now I spent a lot of time before today’s article running some numbers in Excel I got all of my information into Excel wanting to run some pivot tables I started classifying stocks whether their core medium or small and I want to share those statistics with you today I want to share a little bit more about my personal strategy my personal dividend stock portfolio before we get into that I just want to start with some definitions so whenever I buy a stock whenever I have the intention of buying a stock in my personal portfolio I like to think of it is it a core position is it a medium or small position and not only is it going to be core medium or small in the short run. But how do I envision it in the long run is it going to be a core position is it going to be just fundamental to my success in the long run is it going to be a medium-size position it plays a nice supporting role it’s a important position. But it’s not quite core or is it going to be a small ancillary position I want to own a piece of that company I want to be in that company. But I never envisioned it being medium or core that’s how I like to think about things and I like to think about things at a high level as each stock in my portfolio playing a unique role each stock is a member of the team I don’t like to have too many team members that’s why I only have 36 positions and I don’t have the intention of adding too many more positions. Because it’s going to dilute my focus I am very very interested in keeping a focused portfolio where each position on the team can play a major role and when I’m thinking about things at a high level core medium or small I also think in terms of risk reward sometimes there are companies that I want to own in the portfolio. Maybe they carry a little bit more risk or at least perceived risk based on my analysis and therefore they make it into the medium or smaller bucket and so it’s not only a function of hey I want this to be a small position just. Because I don’t see it as a core position. But sometimes it’s just a function of hey it’s smaller medium. Because it carries a little bit more risk so let’s jump right into the numbers I own 36 positions and when you divvy them up by bucket core positions I have 12 stocks medium I have 15 and small I have nine and. So you can see that right here twelve core stocks 15 medium stocks and then nine small stocks and again this medium core small it’s not only based on current asset allocation. But also on future it’s more actually weighted towards future how I bucket eyes my stocks. Because sometimes for example something may be small it may run up a lot and in dollar terms it might be the same weighting as a medium position. But I left it in the small bucket. Because it’s my perception of what this stock should play what role it should play in the long term. Now what I did next is I started running some pivot tables in Excel and I started looking hey let’s look at the dollars when I look at the dollars and I look at core stocks how much of the total as a percentage do they represent my course represent 55% of my portfolio. So you see that here just over half 55% are in those 12 course stocks in terms of medium stocks it’s 33 percent. So you see it right here 33 percent in medium stocks and then small is just 12% and. So you can quickly see how for me it’s a game of focus I like to focus and I have gone all-in on my core positions and. In fact, you already know two of my core positions if you’ve been watching my articles on PPC and two of them are Proctor and Gamble and kimberly-clark I’ll link in the description below to some articles I’ve done on those articles. But both of those are in here in the core bucket. I mean in my opinion I could I would be happy to see this grow even bigger I would have no problem if core represented 60 up to maybe even 70% of my portfolio. Because I am all about focus I’m all about focusing on the stocks that I like them host and. So I was very happy though just to run this calculation to see this mix. Because I feel good about this mix and I guess this is a takeaway from today’s article if you have a stock portfolio or you’re building a portfolio just running this type of analysis from time to time it can help be a sanity check it can help be a nice exercise just to see hey are things as you would expect do things check up properly when I see a chart like this it totally checks up properly I’m really happy that the representation in terms of count in terms of number of stocks is reasonably similar so 12 versus 15 verses 9 they’re all in similar ranges. So I feel good about that it’s not like core is 20 stocks and then I have one medium one small that would be kind of weird. So I feel good that it’s kind of even in terms of the count and then obviously in terms of dollar allocation I would weight it heavier on corn and then medium and then less on small and. So I was happy to see the 55% the 33 and the 12 so just seeing this in front of me I hadn’t run this analysis for a long time was a very helpful checkup so next one thing not represented here that’s very interesting is I took these percentages so core represents 55% of my stock portfolio valley medium 33 small 12 I took these percentages and then I divided by the number of stocks in each bucket the average course stock that I own on average is four point five nine percent so each course stock each of those twelve stocks on average in the core bucket are worth four point five nine percent of the total portfolio value total portfolio dollar value again this is a sanity check I felt pretty good about that that’s a good amount to have in any one stock it’s not too high in my opinion not too low it’s a sizable amount it allows me to focus I felt good about that the average amount of money I have in a medium stock is two point two one percent so an average of the medium holdings each represent two point two one percent of the total and again that’s in this this part of the bucket or part of the pie right here on the small side each stock on average is one point three two percent of the portfolio and. So I felt good about this if you’ve been watching my articles for a while one thing you might have picked up is I really don’t like a messy portfolio I really don’t like small ancillary positions or even medium positions that play a non-existent role on the team each stock in the portfolio has to carry its weight and in my opinion if a stock on average like if my average small stock for example was below one percent and maybe even down like by half a percent these stocks would just have no meaning in the portfolio. So I feel good that each small stock on average is one point three two percent so they have a meaningful piece of the pie each medium one is to point to one that’s reasonable it’s pretty good for a medium stock maybe it would be nice to see it skew a little higher. But that being said it’s. Okay, given that I own 36 stocks overall I think it’s going to at a certain point be impossible to skew it up even even further than it is. Because it would come at the detriment of either core or small. So I feel good about that and then core coming in at four point five nine percent on average allocated to each core stock I feel good about that here’s where things get even more interesting next what I did miss I just looked at all the stocks let’s look at my top three core stocks course stock number one represents eight point one three percent of my portfolio I like that I like taking big bets on the companies that I love the most. In fact, this stock I would be happy if it represented 20 percent of my portfolio quite frankly I’d have no problem with that and it’s one that’s an evergreen stock I’d like to add to pretty consistently and so anyways 8.13 is number one number two it represents six point seven four percent of the portfolio stock number three represents five point six one. So you can see how even within the core bucket it’s interesting that I have prioritized different stocks in the bucket differently based on perceived upside perceived cash flow in the future and perception of being able to raise the dividends keep the dividend strong weather ups and downs of the economy weather cycles of disruption that may come our way that’s how I like to wait stocks and I feel good that my number one stock I’m taking a stance I’m going in at eight point one three percent and looking at the the bottom three stocks let’s look in the small bucket. Now at the stocks number 34 35 and 36 stock number 34 is one point zero five percent of my total thirty five point nine nine percent number thirty six point nine two I felt good about this even the smallest position in my portfolio represents 0.92 percent of the portfolio almost almost a whole one percentage point and so again based on these checks I don’t have stocks in the portfolio that are just wasting space that are not playing an important role that are not holding their own and. So I felt good about understanding that my small stocks on average each one weighs 0.92 percent or more and on average one point three two percent each one thing that I want to point out here. I get questions on my youtube channel why don’t I just go with a mutual fund why don’t I just go with the professionals one of the is that professional money managers face is they cannot do this in many cases having 36 stocks is to focus certainly having 8.13 percent in a single stock in my number one core stock in many cases the bylaws of just institutional management the rules and regulations the investment prospectus it just does not allow this the financial institutions they just can’t do what I’m doing here from the standpoint that it is quote-unquote not necessarily fiscally responsible I can sleep very well at night I know exactly what I’m doing I’m doing everything very intentionally and I feel like I’m definitely not taking on undue risk I’m investing for cash flow I buy stocks I never intend to sell them the stocks that I own raise their dividends year over year and they have a track record of doing so. So I sleep really well at night. But it just so happens at the financial institutions this type of strategy it’s just so counterintuitive it is so outside the norm. I mean even I imagine when when you’re at work talking to peers or certainly when I’m talking to my peers water-cooler talk at work people don’t on average understand this strategy it doesn’t make sense to them it is so different than the norm out there in the financial industry. But anyways my point is that by taking this strategy by very much taking these calculated measures to construct a world-class dividend portfolio where each stock plays its own role I don’t have too many stocks they have a history of raising the dividends they have a very solid financials their world-class brands that have been around forever will continue to be around and they’re companies that love to reward their shareholders I have found a strategy that tends to beat the S&P 500 it tends to do very well. But that being said the goal here on my youtube channel is not necessarily to beat the S&P 500 going forward maybe I don’t maybe it fails every time the fact of the matter is is Mike portfolio is constructed to drive cash flow. Because one day I will have the opportunity to take a early retirement to live the life of financial freedom and this is the dividend stock portfolio that will power that so first and foremost I’m always focused on ways to drive cash flow to drive passive income in each stock in the portfolio pays a dividend pays an increasing stream of dividends in most cases and will contribute towards my financial freedom one thing I want to add today at the end of the article this is actually response to a recent comment that I got I thought this was a really good comment the cost of living in modern society especially in the United States it’s very expensive and a lot of people who are just getting started out with David and investing or asking like hey there’s almost this elephant in the room is it even possible to fully achieve financial freedom well I kind of look at this two ways my lifestyle is kind of expensive I have a family to support we live in the Greater San Francisco Bay Area the cost of living is really high and so the way I approach this is full financial freedom is a very noble and amazing goal. But the fact of the matter is it’s not an either/or it’s a continuum and what I love about dividend investing in building these portfolios like this is the fact that one can achieve partial financial freedom for example what if one works really hard on their portfolio and eventually it ends up replicating half of their income. But what this means is the person. Now has a lot of flexibility. Maybe they can take a different job that is less stressful and work less hours maybe it’s a part-time job maybe one can just keep their job and sleep better at night knowing hey if they got nigut laid off or something happens they’ve got half their paycheck covered and even if it takes a while to find a new job they’re going to be good or even if they find a new job that pays less money they’re going to be really good and so it’s really a continuum in my opinion and. So I I can’t speak for any one situation other than my own. But I know achieving full financial freedom it will it will happen one day. Because that’s my goal and when I set my goal to it myself towards a goal I’m going to achieve it it will take some time and. But the fact of the matter is is I don’t look at it you’re either or for me even right. Now during the journey it’s really exciting. Because I kind of look at it this way each month of living expenses I can earn passively through passive income is a step in the right direction and it’s this fluid continuum towards full financial freedom in the day honestly that one gets starred in dividend growth investing they’re already chipping away towards partial financial freedom in partial financial freedom maybe it’s only twenty five percent of one salary if one can earn passively through dividend stocks twenty five percent of one salary it gives some flexibility in life it frees up some of that stress it frees up some of that concern it lets someone have more options more options ahead of them than when they’re 100 percent dependent on active income which is income that one earns through salaries are consulting through paychecks and replicates it with some passive income through dividend investing so thank you for that question this was a fun article I really have been receiving this question a lot I know I talk about my my core positions my medium my small positions I talk about them a lot I’m in receiving these questions Ian how have you structured all of us. Now you guys know thank you for that question whoever asked that one or the multiple people that asked that one that was a good one before I leave today just a heads up I’m. Now on Instagram if you want to connect with me on instagram i’m literally checking that on my phone throughout the day you want a quick response you want to engage with me pretty quickly that’s a great way to reach me i’m going to link to it in the description below also i want to let. You know. that i truly appreciate all the comments hear the comments drive the articles and. So if you want something covered in a future PP cen article please go ahead and ask it in the comments below or on instagram and also if you want to thank me for this article and for the other articles on my channel please please subscribe to my channel i would greatly appreciate that and one thing i learned recently is when one subscribes there’s this little bell next to the subscription button try to check that as well. Because that will make sure that you are always updated when a new article comes out when you just subscribe may not get the reminder every time. But when you check the bell the reminder goes out every time that a new dividend investing article is published before I leave today in terms of full disclosure I own Procter Gamble kimberly-clark in my personal stock portfolio I also own southern corporation and Realty income and so the ticker symbols on these are PG k mb s o o Procter Gamble and kimberly-clark they’re to my core stocks Southern Company and Realty income they’re two of my medium stocks and. So I own those stocks in my portfolio I’m long on them also in terms of a friendly disclaimer I am NOT a licensed investment advisor and today’s article is not investment advice this article is just for your fun and entertainment if you are going to go out and invest in the stock market or anywhere else please consult a licensed financial adviser first thank you so much for watching I’m wishing you all of the success in the world and your investing in other endeavors out there and I will see you in the next article.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My controversial secret for high converting sales copy_Elq1fMeZnKM

hey guys welcome to profit co-pilot today is a very controversial article my name is Mohini and today I’m gonna tell you my number one copyright in secret and I’m a little bit nervous about releasing this into the wild the number one secret through great in high converting sales copy has been to use something called Barnum statements. Now the reason I don’t feel bad about using these in my sales copy is. Because I’m not trying to deceive anyone so Barnum statements they are the things that we all feel every human being feels a certain way. But we never admit it we never talk about it for example you probably have a great need for people to like and admire you. But you would never admit that that is Barnum statement another one is that you hear calm and confident on this on the surface. But underneath there situations where you’re you’re panicking we all experience those kind of emotions. You know. the Barnum statement could be that you’re too critical of yourself sometimes or that you wonder if you’re on the right path if you if you’re making a big mistake with your life these are the things that we all know as humans we all have these emotions and thoughts and stuff and they feel deeply personal to us. Now use news ago there was a psychologist I think he was called for he did an experiment and it’s called the for effect he got a classroom full of students he wrote out personality traits for each of the students gave them an envelope they opened up and then they had to score out of 10 or something like that of course most of the students gave it a 9 or a 10 or very high scores and then at the end they were asked to trade pieces of paper it turned out they all had the same information on the piece of paper they all shared the same personality traits and this is why horoscopes work really well sorry if you’re into horoscopes and you read them every day its Barnum statements it’s the flora effect no it’s it’s the digital or the print version of cold reading and that’s what we’re doing here wouldwould you were using cold reading techniques to build rapport and get people on our side and we’re doing it in an ethical way. Because we’re not trying to deceive anybody we’re using psychological techniques to make our message clearer so I’m gonna go into this in a lot more detail in articles in the future. But this is the starting point this is highly controversial highly effective sales techniques they say is like as close to the Jedi Mind Tricks stuff that we can get doesn’t only do stuff that you are completely comfortable with so thank you for watching if you’ve enjoyed this article hit the thumbs up button below. Because it tells me that I need to make more articles like this for you and also subscribe to this channel hit the little notification icon and you’ll get another article for me tomorrow that’s going to help you to get just a little bit more freedom and independence through entrepreneurship have a great day and I’ll see you tomorrow.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My controversial secret for high converting sales copy

hey guys welcome to profit co-pilot today is a very controversial article my name is Mohini and today I’m gonna tell you my number one copyright in secret and I’m a little bit nervous about releasing this into the wild the number one secret through great in high converting sales copy has been to use something called Barnum statements. Now the reason I don’t feel bad about using these in my sales copy is. Because I’m not trying to deceive anyone so Barnum statements they are the things that we all feel every human being feels a certain way. But we never admit it we never talk about it for example you probably have a great need for people to like and admire you. But you would never admit that that is Barnum statement another one is that you hear calm and confident on this on the surface. But underneath there situations where you’re you’re panicking we all experience those kind of emotions. You know. the Barnum statement could be that you’re too critical of yourself sometimes or that you wonder if you’re on the right path if you if you’re making a big mistake with your life these are the things that we all know as humans we all have these emotions and thoughts and stuff and they feel deeply personal to us. Now use news ago there was a psychologist I think he was called for he did an experiment and it’s called the for effect he got a classroom full of students he wrote out personality traits for each of the students gave them an envelope they opened up and then they had to score out of 10 or something like that of course most of the students gave it a 9 or a 10 or very high scores and then at the end they were asked to trade pieces of paper it turned out they all had the same information on the piece of paper they all shared the same personality traits and this is why horoscopes work really well sorry if you’re into horoscopes and you read them every day its Barnum statements it’s the flora effect no it’s it’s the digital or the print version of cold reading and that’s what we’re doing here wouldwould you were using cold reading techniques to build rapport and get people on our side and we’re doing it in an ethical way. Because we’re not trying to deceive anybody we’re using psychological techniques to make our message clearer so I’m gonna go into this in a lot more detail in articles in the future. But this is the starting point this is highly controversial highly effective sales techniques they say is like as close to the Jedi Mind Tricks stuff that we can get doesn’t only do stuff that you are completely comfortable with so thank you for watching if you’ve enjoyed this article hit the thumbs up button below. Because it tells me that I need to make more articles like this for you and also subscribe to this channel hit the little notification icon and you’ll get another article for me tomorrow that’s going to help you to get just a little bit more freedom and independence through entrepreneurship have a great day and I’ll see you tomorrow.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Betterment Account after 1 MONTH!

What is up. ladies and gents welcome back to the good old tech crack house today I thought that I would actually make a article talking about betterment. Because I haven’t done it in a while and I figured hey it was about time so basically. Yeah, betterment can be making a quick update on basically my account after one month I think it’s been of actually being basically subscribed to the betterment service having my money in the betterment account and letting it do whatever once with my money so basically I only have two hundred and fifty dollars in the account to up again with. Because I want to put it in there kind of want to experiment with it and just see how everything works and. You know. I didn’t want to throw like a thousand bucks in. Because unlike I’ve done with stash invests robhinhood acorns bald those bigger ones that I’m more familiar with I’m not too familiar with betterment yet and I’m becoming more and more familiar with it like by the day a. But I just figured that I’d go ahead and kind of experiment so 250 bucks it’s been a month and it’s so far, grown pretty much to about two hundred and fifty three dollars and seven cents. So it hasn’t grown all that much actually which is kind of a disappointment to me. Because I thought that it would just be flying like crazy I honestly did not think that um that’s a joke betterment is not exactly the fastest grower out there um. You know. it’s not exactly an aggressive portfolio what I am using here is called a safety net so with the name like safety net you can’t exactly expect the account to be flying off the charts it’s going to be kind of a safe slow steady approach and there’s nothing wrong with that at all it’s just not necessarily the most thrilling a fastest thing you’re ever going to see your ever. But I have liked it that was like a New York accent or a speech impediment thing. So I apologize for that it’s not the most thrilling thing you’re going to see so basically if you’re looking for fast growth with betterment it’s not going to happen. Okay, it’s called safety net for a reason. So it just it just backed me out of the account okay. So I guess betterment times out after a while kind of weird. Because I’m still trying to use it. So I don’t really like that. But anyway we’re we’re looking at with betterment here just. You know. it’s. Okay, it’s. Okay, it’s not performing all that great that’s alright it’s a safety net I’ve 250 bucks in there I can expect huge growth right off the bat. Because that just would not make sense so three dollars and seven cents of growth am i happy with it. Yeah, I’m satisfied am i thrilled with it no it’s not that exciting it’s somewhat boring. I mean it’s it’s better than. So you better yourself by putting a little bit of money in you can see the growth here is actually somewhat decent. So I really can’t rag on it too much it’s 0.5% after about a month so twelve times that that’s about six percent a year that’s more than acceptable. Okay, that’s standard airing on the conservative side which I don’t mind too much for this app. But it’s not exactly the most thrilling thing that I have ever used so so far, I know I know better it’s a little boring – it’s a little basic. I mean the screen as you can see up there is not exactly the most thrilling thing so that’s pretty much it for the one month update basically what. I expected I haven’t really been checking it too much I’ve just been kind of letting it sit I know some people say you should put money in the account you should be more active with it with betterment and other similar accounts how active can you get. You know. you can’t get that active so I’m just kind of using it just putting money in and I think that’s it folks so that’s going to wrap this article up I hope all of you have liked it I hope you enjoyed the content I hope you learned something and if you did feel free to like share subscribe to all that good stuff folks and have a fantastic fantastic day out there and adios.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Acorns Portfolio After 15 Weeks Future Suggestions for the Account

What is up. ladies and gentlemen and welcome back to the good old tech crack house so in this article I’m actually going to be covering the acorns app. So if you like acorns feel free to leave like share subscribe and hit that little Bell button the notifications button below receive a notification every single time the tech crank house releases another article other than that folks let’s go ahead and get right into it alright ladies and gents welcome back to another acorns article so the point of this article is actually not to talk about the accounts performance over the past 15 weeks it is right here in front of you if you do want to look at it. But that’s not the point of this article I as I said in my previous article and thinking about reallocating the acorns portfolio into a different portfolio type to to essentially experiment furthermore with the app. Now I’ve performed a pretty long test in terms of holding holding different things for acorns twice. Now those tests consisted of both an extremely conservative acorns account and these are probably going to keep. You know. sorry I was talking about something that’s not on the screen for all of you I thought I steered God anyway right what was I saying. So I performed an experiment where I used a an extremely conservative acorns account and that went. Okay, I’ve performed an experiment. Now where I’ve used an extremely aggressive or so they say acorns account for roughly 15 weeks and that went alright I’m really interested. Now and I think you can probably see this coming to see how exactly the account would perform under monetary conditions or moderate aggressive or moderately conservative conditions I want to see kind of more of a moderate blend from the portfolio itself and just kind of see how everything performs. Now as I mentioned extremely conservative and extremely aggressive in acorns are not as Extreme as you would like to think they’re definitely tailored in a way that caters to more of a mainstream investor the extremely aggressive is not going to include penny stocks or anything too speculative which is good if you do want to keep most of your money. But it’s not really all high-risk it’s relatively tame and looking at it here you can kind of see what. I mean it’s primarily large company stocks. Now those are risky. But they’re not all that risky. Okay, they’re risky. But they’re not insane so when I’m looking at this I really do want to see more risk than this. But with the acorns probably not gonna get that so with that being said I am interested in kind of switching back to more moderate account I want to see how exactly it works I want to see how things do and I really I think it could be pretty interesting. I think that acorns is more moderate overall even the extremely aggressive portfolio concern to be actually kind of moderate I don’t consider to be all that extreme. So, you know. quite frankly it’s it’s really not all that intense and I I want to test more of a moderate set up. Because I feel like that’s also what a lot of people go for so let me know what you’re really interested in I think that’d be fantastic if he did I would really appreciate it and I I would like to hear your feedback so like I said this is roughly the account after 15 weeks. So if you’re interested in that you can see here I started with 250 dollars in the account I had 10 dollars each week and then it kind of scaled nicely dividends were reinvested I think sometimes however that’s a bit harder to track now. Because the acorns display screen has changed a bit so keep that in mind. But anyway decent performance I’m relatively happy with it. But. Now let me know what else you want to see and I would be more than happy to oblige you as always ladies and gentlemen thank you so much for watching your viewership is greatly appreciated if you have any questions comments concerns or anything like that if you have any questions comments or anything like that feel free to leave them down in the comment section below and I’ll do my best to get back to you other than that folks please tell your friends family relatives whatever else about us and I’ll see all of you next time here the tech crackles and adios if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents see you all in the next article this has been Mike signing off.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Acorns Highly Aggressive Portfolio After 3.5 Months!

What is up. ladies and gentlemen and welcome back to the good old tech crack house so in this article I’m actually going to be covering the acorns app. So if you like acorns feel free to leave like share subscribe and hit that little belt button the notifications button below receive a notification every single time the tech crank house releases another article other than that folks let’s go ahead and get right into it ladies and gents – welcome back to another article from the tech crack house here first of all let me just say thank you for joining me today I really appreciate it. But today we’re gonna be looking at my 8 horns highly aggressive I guess portfolio after roughly oh god how long has it been I want to say 14 weeks of growth and this portfolio. You know. really I have been relatively disappointed with it and why I’m talking the way that I am essentially. I think that after this article I will be kind of focusing more on I guess more. You know. more more proactive investing as opposed to this more hands-off type of investing. Because I really want to get back into. You know. being more more proactive in the market and it’s it’s a lot of fun and I think it’s really what a lot of you want to see. But anyway I won’t be exit exit won’t be exiting your god acorns completely. But I will probably change out the portfolio allocation just for something interesting I might go moderate or moderately aggressive and kind of see how I can scale it and work it out essentially if you aren’t familiar with this portfolio I’ve been running this portfolio for 14 weeks I have I put 250 dollars into the portfolio initially and every week I add $10 in and so far. You know. over three months it’s gained by almost 5%. Now if you multiply that by four for the entire year that’s nearly 20% for the whole year so while it’s not necessarily quite as good as stash invest my stash invest account has been performing over the past short while it’s still honestly not doing all that poorly it’s doing relatively well I’ve been ragging on this account a little bit especially in the near past. Because I really felt like for a while there it wasn’t performing up to snuff and it was kind of disappointing. Because this portfolio is supposed to be highly aggressive and yet it was gaining almost no ground this is looking. Okay, this is looking satisfactory or. I would say even above satisfactory. Okay, I am definitely are the performance over the past 14 weeks. You know. the market did have periods of fluctuation however over the long term. I would say that it’s it’s even itself out a little bit and I’m kind of happy with it so not quite as good as my stash most portfolio which I was able to really hand Taylor I don’t think that my success with stash can really be attributed to stash completely in and of itself. Because I have worked a lot with stash invest especially with um. You know. kind of molding the portfolio into something that I viewed as being viable so to its credit. You know. acorns is honestly doing pretty decently I’m pretty happy with it so one final look here at the allocations primarily large company stocks here followed up by small company not exactly what I call extremely aggressive. But at the same time not too bad. You know. it’s it’s decent this is more of a moderately aggressive mix I would say. But. You know. acorn sets it as extremely aggressive and that’s totally fine that’s just how they set it up be aware of that if you’re thinking of investing with acorns it’s never really quite as aggressive as you might like for it to be. But it’s it’s it’s a good kind of exposure I suppose so. Okay, all things considered here this is. Okay, this is. Okay. You know. like I said stashes performance is a bit better. But I’m fine with this for this test period 14 weeks I’m honestly pretty satisfied and this required really no work or thought on my own it just it did pretty well it grew pretty decently better than a bank account better than. You know. some other investment accounts if you might not know what you’re doing as much not bad. Okay, so let me know what you want to see in acorns I’m really pretty much happy to test anything I do just want to kind of change things up now. Because I don’t want to run this test forever I think they’ll get pretty much extremely boring and let me know what you want to see so stick around later for my article on stash it will be pretty much the last article that I cover for that stash account as well. But let me know what you think and check it out later as always ladies and gentlemen thank you so much for watching your viewership is greatly appreciated if you have any questions comments concerns or anything like that if you have any questions comments or anything like that feel free to leave them down in the comment section below and I’ll do my best to get back to you other than that folks please tell your friends family relatives whatever else about us and I’ll see all of you next time here the tech crackles and adios if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents see you all in the next article this has been Mike signing off.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Acorns Aggressive Portfolio After 7 Weeks!

Wood is up ladies and gentlemen welcome back to the girl tech crack house here today so today I will be covering my 8 chords portfolio after roughly 8 weeks of growth. Now it’s almost hard to believe that it’s been that long. But. You know. I’ve been kind of running this aggressive portfolio experiment for. You know. as I said roughly eight months and in case you are familiar I started with I believe two hundred and fifty dollars of upfront capital and then each week. I actually have ten dollars coming in and being automatically invested in the portfolio I also have roundups turned on from PayPal which aren’t really doing a ton. But they’re kind of helping a little so anyway folks just want to bring you up to speed really quick in case you aren’t familiar with the premise of these articles. But yes. So this is the a course performance after eight weeks if you’re interested I’m also going to be posting a article for my stash invest accounts performance after eight weeks probably around midnight tonight or. So if I if I remember to do that I’m going to try to so stick around for that if you’re interested and. Yeah, I’m gonna go ahead and get rid started out right I’m gonna go ahead and get started here so anyway folks the current account balance is actually three hundred and thirty seven dollars and 81 cents. Now that actually sounds pretty good okay. But when you think about it I’ve been adding a lot of money into this account. Now over the past month the growth has been kind of negligible. Okay, it hasn’t been really all that great it’s actually down by 0.93%. So, you know. while it looks enticing here that’s actually mainly. Because I’ve been depositing a lot of money it’s been Auto invested and. Because of that it’s had a lot of time to grow a lot of time to kind of mature a little which is something that I think is extremely important when it comes to actually. You know. investing you gotta be able to kind of add add more money into their and into your account permit incrementally as you go along so that’s something to think about okay. But when we’re looking back at the growth I’m gonna go ahead and pull three month outlook here this is like a thing that you should discount it’s like a big pyramid right here we’re not gonna worry about that okay. So this is actually where it started around June 20th. Okay, over June 30th rather so it’s been roughly eight weeks seven or eight weeks I guess I’ll call it eight or seven I can’t really sign anyway start at 2:53 okay. Now after after that like the time we’re at about 336 or so so about. You know. eighty dollars of growth overall. Now over eight weeks or seven weeks that’s. You know. quite a bit of money added in that seventy dollars or whereabouts so in all honesty the account has performed. You know. it’s performed decently. But it hasn’t really done all that amazingly the growth predicted here or the actual outcome is about 0.38 percent of growth. Now that’s also including this little pyramid. But not really. You know. not a whole lot of stuff happened during that time so all things considered it’s doing. All right. But it’s nothing spectacular it’s not really blowing me out of the park and. You know. that’s alright. Because oh god my battery’s running low anyway that’s alright. Because. You know. it’s what I would expect I suppose the growth is. Okay, it’s kind of more of a supplemental savings plan I guess you could say. Because I’m adding money in there it’s being invested it’s not growing at any sort of exponential rate which is fine with me. But I would like to see a bit more growth. You know. it’s an aggressive portfolio. But it’s not growing all that well of course over the past month the stock market has been kind of lagging a bit the technology sector kind of slumped a bit and a lot of aggressive stocks are actually in the technology sector so anyway folks that’s a quick update for the acorns account after roughly eight weeks seven or eight weeks I’m gonna go ahead and call it seven. Because the eighth deposit into the account hasn’t actually occurred yet and. I think that actually makes a big difference when it comes to returns so anyway folks I hope you enjoyed hope you learned something if you want to stick around for this – article later on absolutely feel free to do. So I will be posting that. So I think that’s gonna do it for me folks so have a good one and adios if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents see you all in the next article this has been Mike signing off.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Acorns AGGRESSIVE Portfolio After 5 Weeks!

What is up. ladies and gentlemen my viewers out there it is time for another weekly update on my acorns app portfolio so in case you don’t know this is an aggressive portfolio it’s actually set up pretty decently and. You know. the performance so far, has been honestly pretty good so in case you weren’t familiar 250 dollars is why I started with 4 this portfolio based amount and then each week $10 is added on top of the initial balance. So, you know. when that’s considered the growth is really. You know. a lot of it might seem to be coming from the addition of money. But at the same time it’s still really growing pretty well without the money actually being considered so we’re looking at the performance here. Okay, one month growth here is actually 1.9 2% so that’s kind of. You know. hard to hard to understand. Because it’s actually been about five weeks so let’s go to the three month outlook as you can see here we start at about two hundred and fifty three dollars and thirteen cents and. Now we are at roughly what is the current value three hundred nine dollars and 56 cents. So, you know. when we look at that you can honestly see that the growth is really pretty good overall so since it’s been five weeks we’ve had roughly fifty dollars added in so we have a growth of about nine dollars or nine dollars and 56 cents or so actually way we have to consider that three dollars we’re in the portfolio to begin with so a growth of roughly six dollars or so over five weeks. So, you know. for an aggressive portfolio on acorns I don’t consider that to be too bad. You know. I might expect a little bit more growth from a more aggressive portfolio. Because this is the most aggressive portfolio that you can actually use with acorns. So, you know. with that being stated I would expect maybe twice the current growth that we have. But it’s kind of hard to say. Because I’ve never run an extended test with an aggressive acorns accounts. Now if I had I would know what to expect more from this current test. Because. You know. I would kind of know how everything goes. But so far, I’m I’m. Okay, with this I’m. Okay, with the outcome so far. Because. You know. while it hasn’t grown at an incredible exponential rate it has still grown some. But I think that’s very important. Now the market hasn’t been insanely good over the past five weeks either it’s been alright. But it hasn’t been. You know. incredible or anything there have been some definite dips and that has kind of taken away from some of these success of the portfolio. So, you know. especially over the past two weeks or so. Because you can see it was really growing very well and then you kind of started to have some some declines here especially here around the August gang of August. So, you know. with those factors considered it’s still doing relatively well is it doing as well as. You know. I would like it to not necessarily I would like to see a bit more growth especially from a more aggressive portfolio such as this I really thought that starting with 250 and adding more each week would be enough to kind of propel it forward a bit more. But as I said before. You know. I don’t really know what to expect with this yet and that’s why I’m running this tent. So, you know. acorns is it meeting my expectations it’s meeting them it’s not blowing me out of the water it’s doing. All right, well I continue to use it and run this test yes I will. Okay. So, you know. just something to think about right. So if you see any other YouTube channels with article similar to this one. You know. I can thank them personally for stealing the concept. But anyway I think that’s going to do it for this weekly update article so as I always say I will have my stash update article posted later this evening specifically around twelve o’clock or so. So if you’re interested in that feel free to check it out and. Yeah, so acorns doing. All right, will sail stash is doing later and have a good relationship keep progressing that drag hell if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents you all in the next article this has been mike signing off.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Acorns Aggressive Portfolio After 2 MONTHS!

What is up. the ladies and gents welcome back to the good old tech crank counts time today I’ll actually be giving you an update on my acorns aggressive portfolio just kind of talking about how it’s doing etc and it should be all good. Now I want to actually preface this by saying the basic idea for this portfolio is I started with 250 dollars up front around 8 weeks ago and every week I add in an additional ten dollars into the acorns portfolio itself and I kind of go from there and see how things grow. Now what I’m talking about this I also have roundups turned on. But they’re from my PayPal account and some things have been going wrong with the round ups lately so they haven’t been working necessarily as well as they should which isn’t good for acorns. Because I’m also kind of doing an acorns and stash comparison kind of test and my stash article my eight-week account stash article update will actually be posted tonight at midnight. So if you’re interested check that out at that time if not catch it tomorrow morning. You know. feel free to check it out I would encourage you to and without further ado it let me go ahead and kind of talk about the portfolio just a little bit. So this is actually the most aggressive tiered portfolio on acorns pretty decent allocation line go ahead and take a look here large company stock 68 bucks small company stocks hundred twenty bucks emerging market stocks 68 bucks real estate stocks 33 and finally international large company stocks $50 so when we’re looking at that breakdown you can definitely see it is pretty darn aggressive. Now small company stocks over the past month or two months have actually been suffering a little bit they haven’t done incredibly well. So I think that’s why we’re kind of seeing the portfolio. You know. performing in a little bit of a lank luster way okay. Because as you can see 35% of the total portfolio allocation is made up of small companies stocks. Now going back to the performance graph here we can actually see that over the past two months or so we’ve had a growth of about eight dollars which is 0.61 percent for growth. Now for the whole year that works out to 0.61 times twelve Oh God that’s roughly six percent five five to six to seven percent sorry the math is escaping me right. Now per year of growth. Now when I think about growth on the whole that’s not that good especially for a more aggressive portfolio. I think that for the past two months my Robin Hood portfolio is probably up four to five percent so we’re just kind of putting that into perspective it’s probably about three to four to five percent once again the discrepancies here are fantastic. But McGrath is higher is what I’m trying to say and the growth on stash invest is also higher. So this kind of leaves me scratching my head I do think that. I actually do want to actually do actually actually actually I want to go ahead and look through the acorns listing of what stocks are being held in the segreto portfolio. Because right. Now it’s not really performing up to my expectations so we’ll see how it goes from here. But as you can see the total profit over the past two months it’s been. Okay, it still made money. But at the same time. You know. hasn’t been outstanding or anything like that so we’re gonna see how it develops from here once again as I said definitely feel free to check out my stash invest article that will be posted later tonight should be pretty helpful also and pretty interesting in and of itself so thank you so much for watching everyone really appreciate it Cabrera here at the tech crack house check out our patreon if you’re interested and that’s gonna do it for you folks so adios if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents see you all in the next article this has been Mike signing off.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Acorns Aggressive Portfolio After 13 Weeks!

What is up. ladies and gentlemen and welcome back to the good old tech crack house so in this article I’m actually going to be covering the acorns app. So if you like acorns feel free to leave like share subscribe and hit that little Bell button the notifications button below receive a notification every single time the tech crank house releases another article other than that folks let’s go ahead and get right into it. All right. Yeah, that’s in ladies welcome back in this article I’ll be talking about my acorns account after roughly 13 weeks. Now if you aren’t familiar with this layout I’ve been kind of falling for a while I started with $250 in my acorns account and then each week ten additional dollars are added into the account so essentially what we’re looking at here is. You know. some some initial capital and then some money added in each week for kind of expedited growth. But just. You know. to encourage good investing practices I suppose I want to actually add in a weekly amount also. So this is a very aggressive portfolio I forget what exactly the terminology is I think it’s highly aggressive or something like that so essentially the allocation here if we go ahead and take a look at this it’s primarily large company stocks some small company stocks also emerging markets are. You know. a relatively smaller real estate stocks and international large company stocks so ideally in a portfolio that is supposed to be aggressive I would like to see more small company and emerging market stocks I think it’s really interesting that they claim that this is. You know. really Perkins. I mean aggressive overall however the large company allocation is huge it’s $165 so that dominates this portfolio essentially 40% of the total holdings are large company stocks. So I don’t necessarily think that is all that aggressive I guess. But. You know. looking at this honestly the performance so far, over this three-month period of course as I said 13 weeks and so that’s one week longer than three months. So if we scroll out a little bit and look at this here we’re not score. But if we look at this you can see that. You know. honestly the performance overall has been pretty decent it’s had 1.7 1% growth over the past six months however that is pretty skewed due to the fact that. You know. there’s some outlying data points here that we’re not really considering this is from when the account was allocated to be very conservative looking over the three-month period 5% return honestly is pretty good and we haven’t deviated a whole lot from that for this final week. You know. we do definitely have some fluctuation here and then you can pre definitively see what money is added in it’s it’s pretty stepwise. But. You know. in all honesty all things considered it’s doing alright and I think it’s picking up slightly I think the portfolio wasn’t really. You know. necessarily intended for. You know. $250 to begin with that is a relatively small capital investment all things considered. So you know. Now that it’s kind of climbing more. I think that the the growth is a little bit more adequate. I would say and you would like to think that it’s probably proportional. But that’s not always the case. Okay, that’s not always the case so anyway. Yeah, I just want to give you a quick update stick around later than I this night this night well this evening for the for the – invest update and. Yeah, as always ladies and gentlemen thank you so much for watching your viewership is greatly appreciated if you have any questions comments concerns or anything like that if you have any questions comments or anything like that feel free to leave them down in the comments section below and I’ll do my best to get back to you other than that folks please tell your friends family relatives whatever else about us and I’ll see all of you next time here the tech crackles and adios if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents see you all in the next article this has been Mike signing off.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My Acorns Account After Around 4 MONTHS!

What is up. ladies and gents welcome back to the good ole tech crack house today I will be talking about my acorns account after around four months of use. Now basically I had $1,000 in the account um the account was basically operating as highly conservative and recently pretty much moderate however. I actually got to a certain point where I thought that stopping this kind of experiment was acceptable which was four months more or less give or take and I’m not done experimenting with the app yep I decided to kind of rework some things and see if I could affect some changes that I think would be a little bit more favorable to me personally and. You know. just try some new things with the account so basically after four months or one third of a year the $1,000 highly conservative account had yielded two point one percent growth so a yielded twenty one dollars on a one thousand dollar initial investment. Now when you think about it that’s not all that bad. Okay, if you multiply that by three for the rest of the year that would be six point three percent growth so is that all that bad is that good is that bad basically it’s pretty neutral. Okay, it’s. Okay, it’s not exactly beating the market it’s pretty average. I would say market averages are roughly seven percent seven to nine percent per year in terms of growth so when you think about this theoretically with the highly conservative portfolio in acorns that’s actually not that bad. Okay, pretty much what. I expected the growth was somewhat gradual if we go to the UH performance tab here I’ll go ahead and look at that. So I kind of show you what I’m talking about the performance overall in terms of the past few months go to the six month outlook. Because it should be kind of hopeful they’ve just pretty much been straight growth so as you can see started at $1,000 right here and then did kind of slump kind of grew gradually then kind of shrunk down again then kind of kept growing growing growing growing my slumped again and then it actually pretty recently picked back up and I sold and when it. You know. was 1021 dollars so basically I pulled out at the account one I figured it was pretty much the most opportune time after that period and that’s actually pretty decent return. You know. two point one percent that’s really not bad I think that’s more than acceptable so basically one thousand dollars invested in acorns over the course of four months two point one percent return as I’ve said previously that’s not bad passable. Okay, definitely works I would be very interested to see interested per bit to see what a moderate account would do what an aggressive account would do so I’m actually going to try that. Now so. Now that I have 100 dollars back in the account I’m going to switch it to aggressive the highest aggression level I guess and we’re going to see what exactly happens with it I think it should be pretty interesting. Because. You know. more aggressive account would probably be pretty good in terms of. You know. actually um maybe generating. You know. some sort of growth and then after I think about four more months I’m going to go ahead and take a look at how this is performed and we’ll basically be able to see how it’s done and it should be all well and good so anyway folks that’s going to wrap up this article I don’t want to make it too long I think they’ll be unnecessary honestly so that’s the account after four months 2.1 percent growth on highly conservative that’s not bad I don’t think that’s too bad for a highly conservative account the consistency overall was honestly very good and I’m satisfied so that’s going to do it for me today folks have a good one ladies and gents and keep right here the tech crack house and watch out for those gains boys or at those gains boys they be making them gains alright if you don’t know what I’m talking about I’m talking about the boys that are always on Robin Hood trying to make the gains alright so watch out for them just be wary of that be a big view of a more conservative investor alright don’t don’t chase gains. Okay, I think that’s it for this article so have a good one folks check out the giveaways that are going on and have a good one and adios you.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

MY #3 FAVORITE STOCK OF ALL TIME (Nobody Guessed This Dividend Paying Stock)

I am so excited about today’s dividend investing article I am going to share with all of you my number three top favorite dividend stock of all time if you’ve been following my channel for a while. You know. that my number one favorite dividend stock of all time is Johnson Johnson and. You know. that my number two favorite dividend stock of all time is PepsiCo and so I’ve got one in the healthcare space one in the consumer non cyclical space and number three I think it’s really going to surprise everyone. Because I’m over seven thousand subscribers on my youtube channel right. Now I am so thankful so blessed for that I share articles here on YouTube about my journey in personal finance and dividend paying stocks and my journey towards living off of passive income off of dividends and. I get a lot of questions here and a lot of feedback and a lot of questions about specific stocks. But it’s very rare it’s very very rare that folks ask about this specific stock and. So I am so curious as to why that is. So I can’t wait to see the comments below on this particular article and I want to see what all of you think about my number three favorite dividend stock of all time and I am talking about McDonald’s let’s get started hey everyone so I’m back this is gonna be a great article today all about my position my thoughts on McDonald’s Corporation my number three favorite dividend stock of all time I love this company it’s a great company there’s a lot to say about this company before I even get into this specific company though I want to illustrate why this is my number 3 favorite stock of all time if you think about my number one favorite stock Johnson Johnson we’re talking about health care we look at my number two stock consumer non cyclical this is PepsiCo number three it’s got to be in a different industry. So this one is a restaurant this is a restaurant based stock and. So I love that I love that my top three they all complement each other they’re all a little unique and a little bit different and they work together as a team and. So I really love that and look if I could only own one dividend stock quite frankly I would be fine owning either my Johnson Johnson PepsiCo or McDonald’s any one of those I would be fine holding any one of those if I could just own one hypothetically. But let’s say hypothetically I could only own three these would be the three and I would feel really solid about that portfolio and. Now my portfolio has 37 stocks in it. But I always need to remind myself hey e and focus on the top lines focus on those top core positions. Because those are the ones that are going to drive the magic over the years in terms of dividend income and. So I first started buying McDonald’s back in 2011 and I had waited honestly way too long I’ve been watching this stock pretty much since I first got started in investing over 20 years ago this is one that had always been on my radar and I think it’s probably on a lot of people’s radars although not on this channel apparently. Because I rarely get comments about it which just surprises me. But when you think about someone growing up in the United States and just kind of growing up as a kid Oh everyone is kind of exposed to McDonald’s and that fast food that food that McDonald’s offers and so from an early age if you like their marketing is amazing that branding just that connection with the brand so just that affinity that I had for the brand since an early age kind of informed my desire to want to invest in this company to want to own a piece of this company. But I just so happened just so happened to get around to it in 2011. So I kind of waited a long time. But better late than never anyways I purchased it for 73-53 per share when I first purchased McDonald’s it’s gone up quite a bit since then right. Now as of May 25th of 2018 we’re looking at a hundred and sixty three dollars per share basically I’m up a hundred and twenty-two percent in terms of capital appreciation on my original purchase price and not bad and I don’t invest for capital appreciation. But it’s surely nice to achieve some capital appreciation when possible and it’s an indication that the company is moving in the right direction that the management team is doing all the right things and anyways when I first purchased the dividend dividend is paid quarterly here I think way back in the day I remember this one it used to be twice per year. But. Now it’s quarterly and it came out to a total of 244 per share when I first bought starting yield of 3.3 percent not great. But not bad it’s kind of in line with what I typically expect with a starting yield the dividend has increased over time quite a bit it’s up to four dollars and four cents per share right. Now if I take the four dollars in four cents I divide by my purchase price of 73-53 my personal yield on cost for my initial purchase of McDonald’s is five point four nine percent not not great. But not bad at all five point four nine percent yield on cost for a world-class brand an iconic brand like McDonald’s I’ll take that all day and it’s only going to go up from here. Because this company has a history of increasing the dividend each and every year and I expect them to do that in the future and so I’m excited about that so real good stuff here just um on my seven years or so there abouts that I have been involved with owning the the McDonald’s company in my personal portfolio and worth noting obviously this is a core position of mine it’s a very important position certainly not as big as my position in Johnson Johnson. But I want to work on this one over time I want to add more to it unfortunately here in 2018 I’m not a buyer of McDonald’s just. Because it’s richly valued right. Now where is Pepsi for example I am buying it here in 2018. Because it finally dipped I finally get a buying opportunity on that one this company just has not dipped in the last few years it’s actually done quite well it’s gone up quite a bit and the current p/e ratio actually is a twenty five point six two that’s a rich p/e and the current I dividend yield it’s only a two point five percent this starting initial dividend yield and so that in my opinion is not a very attractive value for McDonald’s I think these numbers are high. Because the company is really starting to turn the corner and grow quickly again and they’re doing this. Because of some reef franchising I’m going to talk about this in a minute I’m excited about this reef ranch izing and quite frankly. Now that I’ve seen this reef ranch izing work at McDonald’s I have more faith in my position in coca-cola as well it’s another stock I own by the way I’m gonna link in the description below to all my articles about Johnson Johnson Pepsi and coca-cola. So you can check those out as well. But anyways just planting the seed there this reef franchising is really working for them revenue earnings are all starting to turn the corner well revenue is a weird one. But revenue from franchised businesses from franchised stores is growing and. So I think they’re starting to turn the corner on that reef franchising and it’s pushing the share price higher. Because people are looking towards the future. But that being said when I buy back at $73 and it’s a hundred and sixty-three. Now and the PTU is 25 and the starting yield is a 2.5 percent it’s just not for me in 2018. But I’m holding strong I’m reinvesting dividends and I’m waiting for a dip. Because when the dip comes I will be adding to my position I cannot wait to own a bigger piece of the iconic brand that I love so much so what I did next is I went into their their annual report for 2017 and in the annual report for 2017 one of the first things that I noticed is the McDonald’s company is very very proud to show how they performed versus the S&P 500 in versus the Dow Jones Industrial Index. In fact, over the five-year period a cumulative return that I imagine includes both capital appreciation and dividends has outpaced both the S&P 500 and the Dow Jones Industrial Average this is important to note here. Because. I get all these comments like hey with the dividend strategy you’re always going to underperform the market why not just invest in an index fund why would you invest in individual dividend stocks you will not believe how many times. I get that question and it’s a it’s a valid question. Because I think the press out there the media it is so focused on index funds these days that I think investors more or less default to thinking hey index funds they’re they’re the greatest and don’t get me wrong. I think there’s many good things about index funds and I commend anyone who is involved in investing at all and whatever one strategy is I think it’s a great thing to be partaking in investing in one’s future obviously index funds are not the the core of my strategy. But I have a lot of respect for them. But anyways. I get these questions and I just want to point this out. Because hey if one invested in McDonald’s this is an old-world company obviously very well-established is it growing rapidly maybe it will start to do that. Now it’s starting to grow it certainly has some things in its favor. But it’s a steady big strong world-class brand one wouldn’t think hey does that beat the S&P 500 or does it beat the Dow well yes it can and yes it did for the last five years and so that’s a cool thing and worth noting anyways I wanted to get into the numbers here a lot a lot of numbers here on this when I spent a lot of time preparing for this article. Because I’m really passionate about this company it’s one in my portfolio that I I may have the most passion for and I think it just goes back to those early days that even when I was a young child my mom would take me to McDonald’s once in a while as a treat obviously we didn’t eat this kind of food all the time. But when we went it was always a pleasurable experience I enjoyed it they had like the kids play area I enjoy the food and it’s an experience and so all the way from those days to present I look back and I have I just have fond memories of McDonald’s and I think that’s part of the marketing machine quite frankly that that is working in this company’s favor and I love it it is such a brilliant brilliant brand. So if one looks at the revenue on their 10k they break it down by company owned stores and franchise stores and my understanding is that McDonald’s plans on having 95% of their stores franchised and only 5% company owned they’re reducing the number of company owned stores and they’re they’re franchising more they’re they’re franchising them out and what’s really interesting about this is it’s very similar to the coca-cola company’s strategy on their bottling they’re their reef ranch icing instead of bottling in-house they’re franchising it out and this is weird to me both with coca-cola and McDonald’s. But it just so happens that the franchised stores perform better in the case of coca-cola the franchise bottlers perform better. So it literally the the when McDonald’s franchises out a store to an independent business a local local operator that local operator does a better job managing the business than McDonald’s themselves very interesting to me and in some respects hard to believe. But in others I can totally believe it. Because a local operator when this one store this few stores that they own it is their livelihood is just their bread and butter they know their local community better than anyone they can totally totally do a great job managing that franchise. So I understand it in that respect and I respect it anyways company-owned revenues are way down we’re going from eighteen point six billion in 2012 down to twelve point seven billion in 2017 so going down we’re actually down 32% company owned stores that’s an intentional drop in revenue. Because McDonald’s is reducing their their own company own stores and franchising them out looking at franchise revenue it’s up from eight point nine billion in 2012 up to 10.1 billion in 2017 so it’s up thirteen percent. Now this is important this is not the total revenue that’s driven by these franchise stores I think the total revenue is up in like the seventy eighty billion dollar range this is McDonald’s cut when the franchise store drives revenue McDonald’s doesn’t get all of it they get their cut. Because they’re franchising it out and their cut is what’s represented here and it’s increasing. Because franchise stores are growing rapidly and so very very key point here when you add these up total revenue is actually shrinking for the company. But operating profit it’s actually increasing. I get a lot of comments on this channel there’s a lot of debate around revenue and a lot of folks think that revenue is the most important metric and in general I agree in general I agree that revenue is a very important metric never the most important to me. But up there one of the top few most important metrics. But there are corner cases this is one of them where a company will intentionally shrink revenue and it’s not the end of the world. In fact, the stock price is way up the dividend is way up the company is doing well all while shrinking the revenue. Because they’re going after higher profitability they’re going to drive higher operating profits on a lower revenue base. Because the franchise model works better for them and it’s these these insights that are so counterintuitive to most investors out there and myself included it’s so against the grain. But I love it I love these kind of cases. Because it shows that there are many ways to achieve great results in the stock market and one of them is a shrinking revenue example. So I love that operating income operating income is up 11% when you look at 2012 he was eight point six billion. Now it’s nine point five billion in 2017 and it’ll be higher in 2018 so the operating profit is increasing and I am big on operating profit I think operating profit is really important and it’s a metric I place a lot of weight on and so it’s very nice to see this metric going in the right direction and going up 11% over this time period that I’m sharing in today’s presentation so love that earnings per share are way up way way up it’s up from five point three six in 2012 up to six point three seven in 2017 in growing higher in 2018 earnings per share actually up 19% which outpaces the operating profit growth the reason earnings per share is up faster than operating profit is. Because this company is reducing the number of shares outstanding and they’re doing it quite aggressively they’re doing it actually through debt we’re gonna get to this in a minute with any business that I invest and I like to look at the pros and cons and with this company there actually are some cons and I don’t want to lose sight of them they need to be top of mind for me I need to pay respect to them I need to be observant of them and one of the cons is the debt that we’ll get to in a minute. But the reason earnings per share I don’t take too seriously here is the reason they’re up so much is share counts reduced through share repurchases which are being financed through debt and one day that debt is gonna have to get paid down hopefully it’ll just be done through cash flows so that they don’t have to issue more shares did too so. But that being said I kind of in in any of these cases where we’re earning per share is way up due to shares being reduced I usually look at the worst case in the worst case is they’re gonna have to reissue shares at some point and then it all reverts back and. So I kind of look at it as a worst case just to to set myself up for no surprises and that’s quite frankly why I look at operating profit our operating incomes so closely. Because it’s it’s not skewed by buy share count and so operating profit 11 percent I think that’s more representative than this 19 percent then I’m seeing with the earnings per share that 19 percent growth so next up dividends my favorite thing in the one of my favorite things in the world are dividends Givaudan checks that can be used to pay the bills and with McDonald’s the the dividends have increased 33 percent since 2012 it’s gone from 287 a share to 383 and obviously since I own it which is longer it’s a more of a seven-year time rise and I’m up 66 percent so it’s nice to see the dividends going up so so quickly what else so here’s something or actually here’s debt as well so we’re talking about pros and cons here I think pros so far, love the reef ranch izing love the the franchised revenue growth love the operating income growth like the earnings per share growth love the dividends growth let’s get to something kind of negative debt debt is way up debt is at twenty nine point five billion dollars as of the end of 2017 it started at thirteen point six in 2012 debt is up 117 percent that is massive that is just massive that being said the market cap of this company is a hundred and twenty eight billion and there I looked at their current ratio it was real high so these guys have more than enough ability to to pay this debt to find it to to have financed this debt to pay it off to pay it off tomorrow if they need to and. So I feel good about it from that perspective the current ratio is good the the debt is not unwieldy at this point that being said I don’t see this company having any sign of retracting or or taking back their approach. In fact, I see it’s it’s more of like a full steam ahead here these guys are all about taking out the debt to buy back shares and it seems like they they talk about that quite a bit in their quarterly reports they’re their annual reports it’s something they’re proud of and. So I think this level of debt will continue to increase and I think they’re fine. Because they have the means to pay it they have the huge market cap the current ratio is good that being said it’s just not for me and in the sense that I’m not a fan of of taking out debt to to buy back shares I’m a fan of buying back shares. But I like to do it through cash flow through earnings earnings if one has to go beyond earnings by taking out debt to buy back shares I just don’t see the point of it I understand why people have done it. Because interest rates have been at historical lows. But we all know. Now that rates are going up and. So this begs the question is rates are higher it’s gonna be harder and harder to refinance this debt at reasonable interest rates and to pay it down and so that is just something that concerns me and like I said there’s a lot of pros. But if there’s a one con that comes up that’s one of them and actually the next line item is going to be my next con which is a bigger con so in their annual report they talk about cash flow and they talk about cash flow from from operations and what I noticed in cash provided by operations it’s actually down over time and. So it was six point nine billion in 2012 and it went down to five point five billion in 2017 and so we’re seeing earnings per share go up we’re seeing operating profit go up. But we’re seeing cash flow from operations go down and. So this is another red flag for me there certainly is no way around this cash flow from operations is down 20%. Now this is based on a cursory analysis if I wanted to I probably want to dig in here to the income statement starts the cash flow statement in in more detail. But I’d be curious if you have any thoughts around that if you’ve been tracking McDonald’s you follow McDonald’s you own McDonald’s what do you think about the cash flow from operations and do you have any insights there as to what’s happening my takeaway is. Because look the market in my opinion is in general it’s an inefficient market opportunities come up from time to time and they come up. Because the market is not fully efficient that being said in big blue chip companies like McDonald’s it’s somewhat efficient it’s somewhat right it’s directionally right and. Because this stock has gone up so much. Because it’s doing so well the the market is not just going to to completely ignore a massive red flag and. So it generally points me in the direction that. Yeah, it’s down. But it’s probably not the end of the world and will probably work its way out over time that being said it’s is that just a general rule of thumb for an investing standpoint it’s important to see operating income up into the right earnings per share up into the right and cash flow cash flow from operations up into the right and so when I’m seeing a little bit of a mismatch here I’m seeing EPS up I’m seeing operating income up. But I’m not seeing cash flow from operations up I’m seeing it down that’s certainly something that I will want to continue to keep a pulse off. But when I just look at it at face value I got a lot of pros. But I got two cons here in the two cons that I have are the debt and the cash flow are they cons that keep me from loving this stock that keep me from making it my number three stock of all time no. Because we’re just looking at a five-year period here and this is a company that truly truly has the power to stand the test of time and they’re showing that they’re they’re turning it around. I mean this company worth noting has had to reinvent itself quite some times many times and we all know even from recent history do Millennials like it do they not I think McDonald’s has finally proved in the world that. Yeah, Millennials do like this company and they’re going to go eat there and McDonald’s has also proven via some of their more premium items we’ll get to this in a minute what customers are willing to go to McDonald’s and buy more expensive foods there it’s not just about fast food it’s about higher quality foods as well and foods that cost more money and so even the all day breakfast menu for example this company is innovative and they have had slumps over the years in same store sales they’ve had challenges from time to time with revenue with customers and they have always bounced back and so the fact of matter is is what I’m trying to illustrate this company has some staying power is some serious staying power so in the shorter run if debt is up. Because they like buying back shares so be it if cashflow is flat or it’s not flat it’s down cash from operations is down so be it although if there is one real red flag out of any of this it’s that cash from operations and so I’m kind of throwing it back there I’d be curious if anyone else has thoughts on that not a deal-breaker for me. But certainly the one big red flag that comes up here in the the kind of more minor red flag is the the debt anyways let’s go down there’s I love this stores the number of stores are increasing and I didn’t break it out here. But in the annual report it breaks down company owned stores versus franchise stores company owned stores is actually decreasing while franchise stores is increasing. But totals. Because franchise stores are increasing so quickly total stores are growing and they’re up eight percent in this period up to thirty seven thousand two hundred forty one stores versus thirty four thousand four eighty in two thousand twelve fabulous I love the fact that this company can grow the number of stores like that and they’re seeing same store sales growth grow we’ll get to that in a minute. But I love that. So this is the high level of it again a lot to love a few things to kind of earmark as things to watch over time and I want to see I want to see over time where this debt goes it’ll probably increase not the end of the world I definitely don’t want to see where this cash from operations goes and something I’ll be watching over the next 5-10 years as I continue to hold and hopefully increase my position in McDonald’s. But I want to get into. Now what do I like about this company operating margin so one can compute the operating margin by taking basically the operating and coming dividing by revenue revenue I have to sum up both the company store revenue and the revenue they get from there they’re cut from franchise stores when I calculate this operating margin it’s 42 percent this in a nutshell is probably the the favorite thing that I have from this entire presentation if there’s one thing you take home take on this this iconic brand can deliver a 42 percent operating margin it does not get much better than that that is amazing that is amazing for this kind of company in the restaurant industry maybe one would see this in a in the software industry. Because to distribute software there’s no incremental cost to to each additional copy. But there’s some big costs to running this kind of business they have to get the food and the cost of food is increasing they have to get the real estate they have to build the stores they have to manage all these franchises think this huge corporate structure the fact that they’ve got a 42% operating margin it’s just out of this world it’s it’s an out of this world operating margin I love it it’s one of the things I love most about this company I cannot get enough of it I love McDonald’s more more of this stuff. So what else. the the franchise saying the reef ranch izing is working so that’s. Something I love we talked about this a lot I don’t want to belabor the point. But the reef franchising is working and it’s evident in the numbers and the operating income increasing over time. So I love that I absolutely absolutely love that what else do I love about this coming the dividend growth it’s um it’s growing we talked about this since I’ve owned it it’s up 66 percent it does not get bunch better than that for a world-class blue chip stable company like this and it will continue to grow something else brand stability this is a world-class stable brand look I’m talking about my number three favorite stock of all time at the top of the pyramid where I’m thinking about my number one two or three favorite stock of all time it has to be a stock that I’m willing to put everything in if I had to I would probably feel comfortable I would feel comfortable putting a hundred percent of my money in McDonald’s and the reason for that is I can sleep at night. Because I know this is a brand that is not going to go anywhere this brand is not going out of business this brand is not going anywhere they have a world-class brand they have a competitive mode there is no one coming in and taking and eating McDonald’s lunch it’s it’s just a a tank this this company and. So I love that stability and that is important to me and quite frankly maybe the dividend growth can be a little higher with another kind of maybe other companies sometimes it’s easier to get an initial value McDonald’s it goes on sale from time to time. But it’s it’s not that frequent and quite frankly the reason for that is I think the investment community realizes the power in the strength of this company and. So I love that what else being following my channel for a while. You know. you know that I love global diversification and what is interesting about McDonald’s is when one looks at the revenue that comes in from US alone it’s about 35% 35% u.s. rest international and so that is really really cool I love that that it’s even more skewed international than us and let’s say it’s a hedge it’s it’s totally a hedge in some respects. Because I have a us-centric portfolio I try to buy companies that are globally diverse that I have that global diversification in and I have owned companies in the portfolio that are globally based. But there’s no way around it on us-centric and so knowing that my my number three favorite dividend stock of all time has only 35% of its revenue coming from the US that is just fabulous what else do I love about this company real estate I love this I picked this up I think from a Forbes article or was some article I was reading on the Internet out of all their stores these guys own 45% of the land and 70% of the buildings this is not just a fast-food company this is not just a restaurant this is a real estate company and we’ve all heard that before people talk about McDonald’s they’ve got some of the best real estate in the world and that real estate has a lot of value and what they’re doing. Now that they are Reef Ranch izing what’s great is they own this real estate and they’re leasing it they’re leasing it to the franchisee so those that are franchising out know franchisees of McDonald’s. Now they are renting from McDonald’s they land the buildings in many cases and McDonald’s is earning a royalty a landlord a passive income if you will on that the state each and every month and. So I love that I love that about this business that they’ve got that real estate locked up in honestly that may be why this stock has done so well also is real estate has been an asset class that’s done really well in the past I’d say five ten years where it’s always been an asset that’s done well. But I feel in the last five ten years it’s really coming to the forefront especially prime real estate amazing real estate incomparable real estate and that’s what McDonald’s has it has they have an operating principle they don’t take the second best location they have to have the best location and they’ve tied it up they’ve tied up that real estate and. So I love that about this company and I think it’s a core differentiator and I think it’s just a world of value at this point that could never be replicated thank you that that value just it would be so hard for someone else to replicate at a reasonable cost what do I dislike about this company share buyback I don’t love a share buyback. But the they’re just using debt to finance it and. So I have to take this earnings per share growth with a grain of salt and then the cash flow obviously is a con it’s just. Something I want to dig into further and learn more about over time it’s not a deal breaker. But look there’s no stop no stock were coming in the world where everything is a green light all the time there’s always going to be some green lights and one or two red lights and this has got one or two red lights. But I’m able to look past them so before in the article today I want to also talk about their latest earnings report they just reported earnings recently from the first quarter of 2018 and the trends continue and so one thing that’s really important in the restaurant industry or in retail in general is this concept of same store sales our sales increasing not just. Because they’re deploying more stores but. Because of sales actually increasing in the same store in one store comparable this year versus the next our sales increasing and McDonald’s is experiencing some really great same store sales in the u.s. they’re up 2.9 percent when you look at q1 of 18 versus q1 of 17 they’re up 5.5 percent when one compares q1 of 18 versus 17 internationally globally so they are seeing success with their same store sales and they are attributing a lot of this actually just some of the higher cost items on the menu it seems like consumers are gravitating just towards some of some of the more premium items and so that experimentation they’re doing is working out in their favor one thing worth mentioning is the earnings per share q1 of 18 verses 17 its way up it’s up 17% year over a year this is one of the reasons the stock is doing so well it has that high p/e. Because they’re growing so quickly when one factors out though currency fluctuations they look at currency apples to apples year-over-year earnings per share actually only up 12% year over year. But still 12% year over year is just fabulous it’s wonderful that being said some of that is driven by the share buybacks if one looks just at operating income which does not factor in those share buybacks it’s up 5.4 percent year-over-year when one factors in when one looks at q1 of 18 verse 17 I’ll take that any day of the week 5.4 percent operating income growth year over year for a world-class company like McDonald’s in my opinion that is just fine it’s great and I love it. So what else. one last point here worth noting is the the market cap it’s a hundred and twenty eight billion dollars son my pin it’s a good size it’s stable it’s not going anywhere. But it’s not so big where this company cannot continue to grow I think they have room to grow I think they will continue to grow and I’m excited about that so I’d be curious what do you think about McDonald’s please include that in the description below I love the comments I try to respond to all of them and the support the support here in this community is just fabulous it means the world to me and if you enjoyed the article today I please invite yo

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My #1 TIP for EARNING MORE with CRYPTOCURRENCY!

What is up. ladies and gents and welcome back to the tech cash house. So if you like this content feel free to leave a like share and subscribe and hit that little notification button below to receive an update every single time the tech cash house uploads another article What is up. ladies and gentlemen welcome back here today to another article so in this article I really want to talk to all of you about the key to making more money with cryptocurrency. Now cryptocurrency is extremely unique in its presentation stocks are unlike cryptocurrencies bonds are unlike cryptocurrencies even more speculative investments are really all unique in terms of their relation to cryptocurrencies cryptocurrencies are a new form of financial expression that we’re just really seeing to take off and really they hold a number of new challenges that I think people kind of need to be more well in touch with before they begin investing in cryptocurrencies so I’m gonna present in this article a couple of things that I have learned and I am going to share them with you and I hope that you find them helpful so the number one tip that I can give people for making more money with cryptocurrency is never never for the love of God five times over never buy in a hot market. Now you might be saying what on earth is a hot market and with cryptocurrencies we see a lot of hot markets. Because Kryptos are really a big buzzword these days. Because they are fairly popular there are new technology that a lot of people are really interested in we see a lot of hot periods. Now I would define a hot period as a period marked by a significant rise in price so for example I might define the period between July 2017 and September 2017 as a hot period Bitcoin rose in price by roughly three times and that definitely spurred on a lot of interest of course at the end of that hot period. You know. when people were really starting to recognize what bitcoin was and they were buying in right here at around this point people. You know. a couple of people that weren’t as comfortable with cryptocurrencies or were worried about kind of a a tempest market sold off and they ended up losing money so people bought in right here when it was and they sold and that turned out poorly for many people. Now for people who didn’t sell and for new adopters when the market was once again cold or people. You know. when people have lost a little bit of interest relating to cryptocurrencies or Bitcoin at least people bought back in and proceeded to make more money once again we reached a pinnacle of roughly seven thousand four hundred dollars per coin and the market tapered off just slightly. Now it tapered off for about a period of a few weeks at which point it once again picked up and Rose exponentially to the highest price ever recorded of nineteen thousand two hundred and five dollars. Now unfortunately this major run-up here was essentially the epitome of a hot market people are becoming extremely interested in cryptocurrencies and. Because of widespread news and publications on currencies such as Bitcoin a lot of people that were otherwise not well acquainted with the currency were buying in a lot of my family members even approached me at this time and said hey crypto is rising. You know. bitcoins getting really big should I try to buy it somehow and I honestly just told them. You know. I think the markets really hot right. Now and that’s pretty much what I said and then as we have seen in recent months the market definitely cooled off. Now it’s February and the market is declining. Okay, so we see major periods of hot and cold with all financial. You know. entities I suppose. But cryptocurrencies are really unique. Because they are very much built on hype so never for the love of God by crypto when the market is hot. Okay, if you’re seeing cryptocurrencies listed in newspapers. You know. as a sort of new bulletin that doesn’t seem all that committal or you’re hearing your elderly family talk about cryptocurrencies it might not be the time to adopt let the market cool down let people who aren’t as interested in holding long term abandon their positions and then move back in and by. Now this isn’t only a unique to Bitcoin. Okay, we’ve seen this with Bitcoin cash. Okay, not as much so. But we saw some definite periods of extreme price inflation with Bitcoin cash when it was recently listed on coin base. Okay, we saw some extreme inflation it was pretty ugly and the market has really rapidly cooled down. Okay, so here’s my advice if you’re a newer investor in cryptocurrencies and you want to invest. But you don’t want to risk investing when the market is too hot or if the market is. You know. maybe not as cool as you would like it and this is what I do I would highly recommend that you take a more evenly heeled investment strategy and you invest in smaller lump sums. Okay, invest what you can afford to lose every week if you spend 20 bucks on sandwiches every week take those 20 dollars and invest them in crypto for the week. Now if you need that money to eat obviously don’t do that. Because that’s just a bad idea. But if you’re not going to use the money for anything that’s essential to your life take that money that you can afford to lose that you might spend on cigarettes or otherwise and invested in crypto and do that once per week for a year that way you can really weather the hot and cold spots and it’s going to give you a much more evenly healed portfolio so really what I want to get across here is it’s not bad to buy crypto definitely not. But you do not want to buy when the market is hot. Okay, absolutely avoid that as much as you can buy when the market is cold buy when the market has been cold for one or two weeks and that is really your time to get back into it so what do I folks I hope that you found that helpful I’m going to be posting more articles on the tech stock house and tech crypto house before too long so please check out those channels if you have not yet I would like to really give both of them up to 1000 subscribers pretty quickly and. Yeah, thank you all for watching and I’ll see you all of you in the next article as always thank you so much for watching. It really means a lot to us here at the tech cash out the tech cash house is funded by viewers like you. So if you enjoyed this content feel free to check us out on patreon as always it’s been Mike from the tech hash house signing off you.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My #1 Favorite Dividend Stock of All Time (If I Could Only Own 1 Dividend Stock)

so I perceive this question here on my youtube channel hey Ian what if you could only own one dividend stock what if you had to take all 37 of your positions right. Now in your dividend stock portfolio you had to sell 36 of them and you had to put the proceeds into one dividend stock which would be the one that you would feel most confident holding which is your favorite one which is your forever stock when it comes to dividend growth investing well I want to share that stock with you today and. In fact, this stock is already my largest holding in my portfolio and it was actually difficult picking one. I actually have a number two that is really close behind. But this is the one that came out on top and I’m talking today about Johnson Johnson so welcome to the article everyone so excited to have you here today thank you for the amazing questions that keep coming through this was a fun question that I’ve received I really like this question. Because it helps me put things into perspective as a dividend growth investor if I were to pick only one stock I would feel so confident owning Johnson Johnson I would feel really confident if that were the only stock that I owned I would sleep at night like a baby I would have no problems holding this one stock if that were all that I could own and. So I want to take some time today to go through Johnson Johnson why I have so much passion for this company and what this company means to me from a dividend growth perspective so let’s just start with some high-level points before we even get into the numbers I think it’s important to just look at the big picture what is it about this company that I like so much well first and foremost it is predictable this is the type of company that when one looks at the annual report one looks at the numbers over time it is so predictable it is like clockwork that the revenue increases the earnings increase the dividend increases and the numbers are pretty dick table I love that predictability number two margins there are very few companies out there that have the kind of margins that this company offers we’ll get into it later. But I love companies with strong margins. Because margins create security and also margins give flexibility to companies that have strong margins more than that strong margins are indicative of a well-run company and a company that truly has hit its stride in the marketplace what else population one cannot ignore the the global factors out there the meta-level factors that influence a stock portfolio investment as we all know the population is starting to age and especially in the United States the United States population is starting to age the baby boomer generation is starting to age and these very consumers these very people are going to need increased medical care increased health services over the coming decades and. So I think the meta-level demographic factors are in favor of this company right. Now however that said I think this is a pro and a con looking way out. I think that certainly the millennial generation needs to start having more kids and population needs to start growing again. But that said globally speaking the population continues to increase and. So. I think there’s a number of population related factors that are in favor of Johnson and Johnson right. Now what else dividend growth I invest for dividends and cash flow one day I will live off of my dividends and literally use my dividends to pay bills and. So I love Johnson and Johnson. Because it’s a shareholder oriented company it’s one that cares about its dividend it’s one that increases its dividend like clockwork and we’ll get more into that later it’s a global company we’ll get more into this later. But I like a company that has a global footprint this company actually has nearly half of its revenue coming internationally versus us and so that’s really exciting. I think there’s more work to be done more opportunity overseas internationally. But they’re already taking advantage the global world that we all live in diversified if I were to own only one company in my entire portfolio I sure would want a company that is diversified and we’ll get more into this later. But Johnson Johnson is quite diversified I’d like to think of Johnson and Johnson almost as a mutual fund of the healthcare space they are just in so many different niches within healthcare they have made so many acquisitions they are just so big that it’s almost like owning a mutual fund by owning this huge huge company in this space so those are the high-level themes let’s go down. Now into the numbers why do I like this company so much it is just such an amazing company let’s just look at the revenue I’m gonna start with 2017 revenue I pulled this from their 10k their annual report for 2017 39.8 billion comes from the US and then 36.5 internationals so it’s almost 50/50 not quite there it’s still kind of skewed towards the US. But we’re getting there and so that’s something that’s unique. I get a lot of questions here on my youtube channel hey Ian do you like to invest internationally and I do own pure play international companies. But the reason that I like this company is I don’t even need to own a peer play international company just by owning Johnson Johnson it’s already a global company that’s driving a lot of revenue both from the US and internationally this is a company by the way that has a market cap of 338 billion dollars this is a very big company and. So if I were to own only one company in my portfolio I would want something that is big that has staying power something that’s not going to get acquired by a competitor not something that’s going to be disrupted away and so something this big it has a lot of staying power and one note actually on all of this that I didn’t really jot down here. But that whole point on staying power I’ve done some articles recently we’ve talked about Amazon and how Amazon is disrupting in some ways some of the traditional consumer non cyclical companies in my opinion this is somewhat of a disruption proof company we’ll get more into later about patent expiration I think that’s one of the things that could potentially create disruption or and if there were any risk that might be one area for risk. But in general I do not see Amazon coming along and potentially getting into their space or disrupting this company. In fact, I view Johnson and Johnson as the disruptive company as the technology company in the healthcare space and. So I certainly place a lot of weight in that and a lot of weight on this big market cap. So what else. the revenue growth has been phenomenal and it’s it’s been not only phenomenal in its scale. But also in its predictability. So I just jotted down here in interest of space two years 2017 2007 the interesting thing about this company is their annual report they actually go back quite a bit in time most of the annual reports they look at by the way. I do a lot of these analyses on this channel. Maybe they list the last two three or four years. But Johnson Johnson in their annual report they go all the way back to 2007 and they list it year by year. So. It really makes it easy for investors like myself who care about fundamental analysis to look at all the numbers. But anyways I jotted down just two of them here. Because I can’t fit it all. But in 2007 they did 61 billion in revenue 2017 seventy six and a half billion an increase over those ten years of 25 percent that is great top-line growth for a company that is already at this scale a company already this big to achieve top-line growth so so strong so phenomenal. I think that is just simply wonderful and what I like about the top-line growth too is it wasn’t lumpy it didn’t just come in one year or a few years it was pretty stable over all these years and some of the earlier years back around 2017 it had some or 2007 it had some ups and downs. But more or less it was stable and so I’ll give you a flavor of that in 2017 it was 76 for 50 1671 890 1570 o 7007 for and so on and so forth and so what I’ve noticed in it does have some ups and downs. But it’s somewhat smooth over time and I really like to see that on the revenue growth side of things margins this is really unique to Johnson Johnson. Something I just I don’t really see in many other companies certainly some other companies. But it’s just to be in this kind of space and have these kind of margins. It really amazes me anyways their gross profit margin is sixty six point eight percent meaning their cost of goods sold cogs it’s only twenty five billion dollars on a revenue of seventy six and a half billion and so that gross profit percentage is phenomenal and. Now the operating profit in 2017 comes in at about twenty three percent again really really phenomenal margins really happy with those and I feel good about about these margins. Because they’re not skimping they’re definitely when I look at their their annual report I look at their numbers they’re not skimping on sales marketing and administrative costs they’re certainly not skimping on research and development it keeps going up year after year after year and. So I feel like they’re being proactive on investing in their people their business. But they’re still maintaining these really phenomenal margins and. So I really I really like that I’m really a fan of those margins at Johnson Johnson moving down here earnings per share just a note to everyone out there some of the newer investors here we talked about this before. But if you’re new to my channel if one goes to Yahoo Finance right. Now and one looks up Johnson Johnson the p/e ratio looks really wacky it’s something in the several hundreds it almost looks like the p/e ratio of a tech stock like Amazon however the p/e ratio is not accurate right. Now the reason being is Johnson Johnson is taking advantage of tax reform to to do some tax restructuring and most likely repatriating dollars into the US and so when one looks at their income statement in the most recent annual report there was a big line item under taxes. But basically what I do in this case is I’d like to look at years before and try to back into an earnings sher I I’m not perfect at it it’s very back of envelope. But basically I’ve been able to back into an estimated earnings per share with if you factor out tax reform of about five dollars and fifty cents and that puts the price earnings ratio taking the current price of a hundred and twenty six dollars I divide by that five fifty it gives me a current p/e of around twenty two point nine four. I actually think my p/e ratio is a little bit high or a little high and I think my earnings per share is a little low. I mean the reason for that is I know what the new tax reform corporate tax rates are lower. But I’m still estimating my earnings per share based on the old corporate tax rates and so anyways I think my 550 is a little bit conservative I think their earnings per share is likely better than that we shall see is the numbers for 2018 and 2019 progress and unfold. But in general this is kind of the ballpark we’re looking at. Now based on my back of envelope analysis and the point of this is one dividend investors be on the lookout in case you’re looking at numbers on Yahoo and they look weird there’s a lot going on with tax reform now. But two I think the other meta level point here is this stock is currently in my opinion not trading at a discounted value. I mean a p/e and the 20 to 90 point nine four range and maybe it’s lower maybe it’s more like 20 if my EPS goes up which it probably would it’s probably a little bit conservative there that’s pretty high it’s a pretty pretty lofty valuation and it’s in my opinion priced priced fair if not aggressive the reason for that is this is just one of the best companies in the world there it doesn’t really get better than this I think everyone out there realizes that and everyone wants a piece of it and so when that is the case the company gets bit up certainly it’s not trading like a lofty FA ng like tech stock and certainly it’s not trading at crazy multiples. But it’s certainly trading at fair multiples and it’s not at a discounted value like some of the other stocks I cover here on my channel in my humble opinion and so right. Now rather than reinvesting my dividends I not very much an active buyer of Johnson Johnson it’s not a focus of me in 2018 however maybe that would be different hypothetically if obviously if I can own only one stock or if I were just starting over again that may may be different. But right. Now being my single largest holding and feeling that it’s not really trading at a value I’m not really a buyer here although I definitely want this stock to continue to be my number one holding I definitely want it to continue to lead the pack and. So I will over time be adding to this I am hoping at some point for a buying opportunity whether that presents itself one never knows and honestly with this stock I’m. Okay, buying it when there are not buying opportunities I feel comfortable really buying it pretty much at any reasonable valuation just. Because I like the company so much. But right. Now certainly on this side of things on PE side of things I don’t really see a deep discount on the dividend yield side of things as well I don’t see a deep discount right. Now on the current dividend yield of this company. So what else. right. Now the the dividend for the year of 2017 it was three dollars 32 cents and in 2007 it was a dollar 62 one of the reasons that I’m pointing this out is the the dividend over time it is increased by a 105 percent this is a fabulous fabulous increase just over that 10-year period the dividend has basically doubled and it is not every day that a company can increase its dividend that much. But what I really want to point out is well it’s two things as it comes to the dividend let’s start the payout ratio the current payout ratio is about 61% if one takes the dividend divides it by the estimated earnings per share that I have of about 550 the payout ratio comes to 61% this means there’s a lot of money left over after the dividend is paid and that money theoretically could be used over time to increase the dividend what this means is there is a margin of safety there is an ability here for overtime for Johnson Johnson to increase their dividend even if the business stagnates even if revenue stagnates which i don’t believe it well even if earnings stagnate which i don’t believe they will this payout ratio is conservative this is a very conservative company this is one of the things I like about the company and again going back to the question here if I could only own one stock I would want to play things safe I want to want to be conservative and I like how this company conservatively manages its payout ratio also I’ve done some articles here I in the early days or maybe not so early days. But I’ve done some articles I’ll link below on hypothetical situations how to get started with one thousand dollars ten thousand so on and so forth and one of the things I always mentioned a challenge actually to subscribers that I mentioned is hey look for those stocks that can predictably grow the dividend they not only increase it a lot over time like this company has what they do it predictable each year it’s pretty predictable check this out in 2017 they raised it by about 5% 2016 by about 6.8% 2015 6 point 9 2014 6 point 6 you see a trend here it’s usually in this six five six percent range it’s pretty predictable I think the 2017 raise was a little lower at 5% that’s okay. But before that I was really in this six percent actually high six percent range and. So this is an example of a company where not only overtime has the dividend increased a lot. But it’s been pretty darn predictable. So I really like that I’m really a fan of that with with Johnson Johnson so one other thing I want to mention on Johnson Johnson at a high level this company operates in three segments and those segments are pharmaceuticals medical devices and consumer products its consumer health related products you’ve probably all seen them in your local drugstore and so the the thing with Johnson Johnson is the revenue is split pretty well Pharmaceuticals is thirty six billion dollars in revenue per year devices 26 billion consumer 13.6 each of these segments is meaningful each of these segments has meaning when it comes to johnson johnson’s business also when one goes in the annual report and looks at the segments they’re all doing pretty well they’re all showing reasonable growth the one though that is growing the most is pharmaceuticals and. So if one were to think what is a risk with this company if you’re new to to the healthcare space one of the things to be aware of with new new drugs that come out is one there’s a drug pipeline in Johnson and Johnson shares that in their annual report what’s their pipeline these these drugs need to get approved by the FDA by other agencies internationally and it’s always good to have a company that has a strong pipeline and the reason one wants to have a strong pipeline is the patent on these drugs is only twenty years and after twenty years they can go generic meaning the patent expires other companies out there can produce the same thing the generic version and then the revenue with a company like J&J is generating will go down and so it’s this churn and burn you’re not gonna see this as much with medical devices or with consumer products with the pharma side of things there will always be this churn and burn. Because there’s always these drugs coming off of their 20-year patents that require a new one to come in to have a strong pipeline to always replace and also grow the revenue over time and. So if there was a risk. I would say that’s one risk there’s this turnin burn it’s not a forever product. Because the patent expires the other thing. I would say with this company is healthcare costs the cost of healthcare right. Now especially in the u.s. it’s astronomical and it is it’s a real problem it’s it’s actually there’s some forecasts that are going to say that the amount of money that’s going to go out over the next so many years from from Medicare payouts is going to be more than the tax revenue that’s ever been collected in the history of the United States and so there’s a real issue with the pricing of these products and so over time my question becomes is the revenue from the pharma side especially in the devices side in particular sustainable will there be a great reckoning where the government works with the hospitals and works with the medical pharma companies like this one and tries to to do something as it pertains to pricing I just don’t know I think that’s kind of out there and I think they certainly have a lot of international revenue as well and. So I don’t tend to worry about that as much. But I think if there was another risk in addition just to the 20 year lifecycle of each of these drugs it’s not a 20 year they once they’re on generic people still will buy from them they’ll this revenue will go down if there was another risk so in addition to that. I would say it would be that just the general pricing of healthcare being being kind of crazy so before I end today I just want to go actually through some of my own history I wrote down some of my own experience here that I thought would be really fun so my experience with Johnson Johnson it actually dates back all the way to 2001 this is one of those companies that was one of my early ones this was one of my earlier investments I’m really proud of that I’ve been involved with this company for a long time and it’s always just been a core stock it’s probably always been between my number one and two in terms of my favorites and certainly. Now number one number two is kind of close I’ll have to do another article on my number two it’s in a completely different industry and I I’ll tell you though even though I was involved with this since 2001 I got really serious with this company in 2011 and 2011 s where I really started doubling down and that was when it was trading at about 58 dollars a share and so certainly. Now it’s at 126 dollars a share so it’s gone up quite a bit since then and that obviously doesn’t even count the dividends I’ve received. But basically if I take my my current dividend that’s being paid by this company which is about $3 36 cents and I divide it by my purchase price which was $58. I get a yield on cost of five point seven six percent certainly this is not my best yield on cost five point seven six I can find companies out there right. Now in the current market that offer a starting yield of that amount and I was looking earlier today I own a stock in my portfolio right. Now unbelievable I am yielding 17.5% yield on cost. So I have stocks that have performed from a yield on cost standpoint better than this I can buy stocks right. Now that offer a starting yield much higher than the starting yield on Johnson Johnson. Because this stock it is priced a little bit higher it is priced. Because of. It really is a premium name that said I cannot underscore the the value of being predictable having the margins having all of these factors. Because when it comes to sleeping well at night in my opinion I love having those kind of stocks in my portfolio and again if I could only own one stock I would want it to be the most stable the most robust the one that I just felt so comfortable with and I certainly if I could only own one stock I realize I wouldn’t have the most amazing yield on cost here. But what I could what I could rest assured on is this company will be around and it’ll keep growing its dividend and quite frankly it’s a generational company this coming in my opinion is going to be around for generations and generations and so that’s what it comes down to for me with this one stock. But again it’s it’s not the same in terms of human cost is some of my other holdings and certainly not the one that I was looking at earlier today that offers right. Now for me a seventeen and a half percent yield on cost and so that’s that’s an important nuance I think that’s a downside with something like this is it all of this perfection that comes with this company does come at a cost it’s been bid up in the market so thank you so much thank you for that question that was a really fun question I really appreciate that one and please keep them coming if you enjoy the articles on my channel I invite you to subscribe to like to comment if you have questions and you want them answered really quickly. I mean by the way I answer all the questions here on YouTube. But if you want to get in contact me with me even quicker go on to Instagram I’ll link to it below I in answering questions there as well just comment on one of my photos publicly and I will do my best to respond typically in the same day before I leave today a few things in terms of full disclosure. I personally own stock in Johnson Johnson I am long on that stock ticker JN J also in terms of a disclaimer I’m not a licensed financial advisor today’s article is not investment advice today’s article is just for your fun and entertainment if you’re going to go out and invest in the stock market or anywhere else please do consult a licensed financial advisor first before we leave I’d be curious I am obviously sharing my favorite stock today with all of you if I could only own one I invite you in the comments below please share with the community if you could only own one stock one dividend stock in your portfolio which one would it be would it be Johnson and Johnson would it be something else which one would it be and I’d also just be curious what do you think about Johnson Johnson do you like it do you dislike it and let’s get some great discussion going here. Because I think we could all benefit in this community and we all are benefiting in this community from the great discussions so thank you so much for hanging in there with today’s article thank you for the support and I will see you in the next dividend investing article.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

My #1 Embarrassing Life Challenge & How It Influenced My Dividend Investing Strategy

I’m really really excited about today’s article. Because I want to share something with all of you today something that I have never shared with anyone else other than my wife and this is something that happened in my personal career it was very embarrassing it was one of the more embarrassing moments in my life it was a it was a challenging time it was a very tricky time and I want to share this message with everyone today. Because he greatly informed my strategy as a dividend growth investor I would not be the dividend growth investor that I am today I would not be so passionate about dividends passive income cash flow I would not have really the mission the mission in the sense of mission and accomplishment and really the the strive that I have right. Now if it for not for this particular experience and I am talking about the experience where I got laid off earlier in my career many years ago I was working at a company and I got laid off and this was at a time when I was doing really well in my career I didn’t expect it and it totally totally turned my world upside down I was embarrassed about this for many years it was something that really affected me and I want to share my experience today. Because. I think that it could help others out there so welcome everyone to my article it’s a nice spring day here in Silicon Valley. So I thought I’d get outside and experience some of the fresh air here and so it’s the first article I’ve done outside in a while and I want to just share my personal story today and how it affected me how I learned so many lessons so many valuable lessons from this experience. But certainly at the time it didn’t feel like a good learning experience that just felt brutal it was really really difficult. So I was working in the company many years ago and company wasn’t doing so well at the time and I was at a company party it was funny at this party I bought a really fancy suit I wanted to look good and I was at the party and I was with my wife we went up and we talked to the CEO of the company and was funny as you can tell a lot when you’re speaking with someone I was speaking with the CEO and he wasn’t really all there and I knew there was something else on his mind something that was. I would say awkward whereas in Prior conversations with the CEO we must never like that. In fact, there have been company meetings at the company where the CEO congratulated me or even acknowledged me in front of everyone. But this time was different I was in my new suit I had spent a lot of money on it and I was at this partying for whatever reason there was something weird he wasn’t quite all there and he was there’s something something not being said anyways after that a matter of weeks later I found that unfortunately I was I was laid off as part of a company layoff there a bunch of people getting laid off and I got laid off. But what was interesting is I’m not supposed to get laid off I was valedictorian of my high school my whole life I’d always worked so hard I went to Stanford University even if the company I was at I was managing a team of people I was doing really well providing very good results for the company I wasn’t the person that was supposed to get laid off how could it possibly happen to me when I’m the guy that works so hard my entire life this was an incredible lesson an incredible reality shock for me that it was something really I never fathomed happening. I mean I was thinking like wait getting laid off that happens to other people that couldn’t happen to me and at the end of the day what I realized out of that experience is it can happen to anyone and it doesn’t even necessarily matter on one’s job performance when there’s a layoff look they say a layoff isn’t perform in space they say it’s it’s it’s just to save the company money. But at the end of the day these companies they can pick who they layoff and in my opinion there there are two types of people at any given company there’s people that are in favor and there’s people that are not in favor and one person like myself you can go from being in favor to out of favor I’ve seen this I’ve experienced this and at that time I was out of favor and I can say regardless of my job performance the people making the decisions they’ll look at people and you’re either in the in-crowd or you’re not at that particular company at that time I was not I was out of favor and therefore I experienced I experienced the layoffs and. So it was very very tricky situation for me. But the reason I’m sharing this story is one not to relive the the experience. Because. It really was it was actually a quite a painful experiences very shocking and obviously at that time my main source of income surely I had some dividend stocks at the time and I had been dabbling in online marketing affiliate marketing. So I had some side hustle income. But more or less most of my income was coming from the job and. So this was this was very troubling and so was it was a painful experience and so certainly I don’t want to share that here just to relive the the experience. But I really feel like I have a message here that is incredibly valuable for others out there and that’s why I’m doing this and I think it provides a lot more background behind what I am doing here on PPC and why I have this YouTube channel why I am sharing personal finance insights and sharing my personal finance journey behind my dividend stock investing this is the article that I think could provide a great basis for understanding where I’m coming from better. But also to help others out there who are actively working and so by the way I apologize for some of the noise in the background it’s a it’s a busy time around here being in this good economy there’s a lot of construction right. Now and so just about everywhere you look there crews out there people doing construction and so just I’m you’re probably hearing some of that and I apologize. But I hope the change of pace the change of scenery makes up for that thought it’d be nice to show the kind of springtime. But anyways what I want to do right. Now is jump in to the lessons I don’t want to necessarily relive the experience. But I want to jump into the lessons and I did not see all of these lessons right away. But years later I. Now really appreciate them and so I’ve listed them here lesson number one multiple streams of income I. Now have income coming from my job I have income coming from my dividend stock portfolio I have did income coming from affiliate marketing I do some online marketing some side hustle and I’ve income coming from consulting oftentimes. I get requests hey Ian can you consult on this project can you do a little extra work sometimes with a family at home with two little kids it’s very difficult to take on that extra work. But I do it I do not pass up an opportunity to earn more income and. So I have four streams of income where it’s back then I was really dependent on the job income. So this is the core reason by the way that I invest or one of them at least that I invest in dividend stocks when you own dividend stocks you cannot be fired from your job you cannot be laid off it is a sense of permanence it is passive income it is golden and so multiple streams of income is the number one lesson that I learned and if anything this experience accelerated my quest my quest to build up dividend income and I just went even more aggressively after it lesson number two working hard does not necessarily mean job security and this is a hard one that I had to learn this is real hard. Because I always thought hard work pays off I always thought the person who puts in the work or even the person who is most qualified is the one that wins this is not always the case sometimes that a company as I’d mentioned there are people out of favor people in favor and it can even fluctuate with one person what I found at this particular company is it wasn’t the right fit it was a sales company it was a party culture I’m trying to be realistic here and the reason I’m trying to be realistic is point number two informs point number one I always believe in giving my job my all especially when I’m in a job that aligns with me like the one I’m in. Now that one like I mentioned wasn’t quite as aligned it was more of a sales culture not as much aligned with my core values and so I’m not trying to paint a pessimistic picture and I’m trying to obviously encourage everyone to work hard. I think that is important and I think it’s that sense of pride and satisfaction and I wouldn’t be where I am today if I didn’t work hard. Because it got me pretty far in my career pretty quickly and got me a lot of income that I was able to invest. But that being said there are certain times I guess this doesn’t matter always. But there are certain times where hard work won’t pay off and I think it’s just important in retrospect for people to be aware of that that there will be times in life despite your best efforts where the hard work may not pay off. But that doesn’t mean to give up it doesn’t mean to stop working hard it just means it won’t always pay off and so it’s good to be realistic and it means that it’s when some of these other points will be informed by this it’s important to be realistic with one’s finances with one’s investing to think of the bigger picture. Because one never knows when that hard work might not pay off so point number three lesson number three it’s not such a big deal at the time I made such a big deal out of this it was and. You know. is this really is true when you’re an adult you get older. I mean my 30s. Now. You know. a lot more than when you’re younger and at the time this job was everything to me I’d placed a lot of weight on it. But when you get older you start realizing wow there are other things out there like having kids or growing one’s family or pursuing one’s passions in life doing charity work joining a church there are other things in life that are really important and that are oftentimes most times quite frankly more important than the work itself and. So if I were to look back. It really comes down to faith things happen for a reason and in the end this experience gave me so much it gave me so much to learn from and it got me it got me to the next thing which I needed to get to I didn’t want to stick around a sales culture where it wasn’t for me I’m not saying there’s anything wrong with that there are sales people who enjoy that culture and I wish them all the best it’s for them it’s not for me it wasn’t the right fit and. So I had to learn this the hard way. But it’s important to have that faith it is important to have the faith that things will work out and it’s important to have that bigger picture as well that look. It really isn’t that big of a deal there are more important things out there and it’s not going to crush one’s entire life so number four this is another one I learned the hard way I’m in a link in the description below to another article I did about my five biggest investment mistakes. I would say this is my biggest maybe career challenge and so these are kind of articles all about the the challenges and mistakes I made in my life. But I’m going to link there one of the mistakes I made is I bought a bmw m3 really early on in my career before I had the money to afford such a car and I would like the suit I spent a lot of money on the suit for the party I wanted to impress the executives well when times are good one always needs to remember that times might not always be good it’s good to save some money it’s good to be frugal these days when I buy a suit I go to the outlet and I honestly get a suit as good or better than what I was getting at the premium store. Because the outlets have amazing stuff and so I’m smarter about it I owe that to my wife she’s the smart one when it comes to budgeting and she’s helped me find solutions to my prior ways of spending too much money and so it’s a very good reminder when times our good not to get ahead of oneself and another way of looking at this when times are good it’s good to save some money. Because when times are bad the stock market goes on sale oftentimes dividend stocks are trading at really low valuations it’s a great opportunity and so it’s always good to be frugal and to remember that things in life have their ups and downs and when times are good they may not always be good and right. Now for example stock market’s doing really well. But it’s starting to correct I think it could correct quite a bit more and so just a good reminder for myself for everyone that times might not always be like this maybe it’s a good time to save a little bit of dry powder. Because we don’t know what’s coming so lesson number five always have a plan B I think subconsciously we all always have a plan B before any of this happened I was already kind of looking for other jobs not really actively. But things would come to me I would entertain them the great thing here is I didn’t have a lot of downtime. In fact, I had no downtime when I was laid off I was able to start a new job basically the next week I got lucky. I would say some of that is luck. But some of it is also having a plan B I spent a lot of time networking I spent a lot of time getting my name out there and this is important for dividend investors the worst thing that can happen for a dividend stock portfolios to have to sell. Because the benefits come decades decades down the line the the benefits take time to compound the benefits take time and if one has to cut into principal. Because they got laid off they have to pay bills that’s never a good thing it can derail not derail. But it can slow down ones progress and it can be it can make the hit even worse not only does one have the hits of getting laid off. But one has the hit of oh no I have to dig into this portfolio that really means everything to me my multiple streams of income well if one has a plan B one has other alternatives it can soft in the landing and so for me I was able to pick up a new job pretty quickly and had no downtime and it all worked out that said it was still very traumatic and it was it was a challenging time and so and maybe it wouldn’t have been that good it’s not always gonna be that good. You know. sometimes one cannot find a job so quickly sometimes it is not like that. But it is always good in my opinion to to be thinking ahead thinking several steps ahead and some of that will be done consciously some of it will be done unconsciously. So what else. what else did I learn don’t burn bridges number six this kind of goes hand in hand with all of this as a dividend investor just as a person one wants to save a successful smooth Road ahead like I said one doesn’t want to be out of work for a long amount of time one doesn’t want to have to dig into their finances their savings their portfolio to pay for a challenging time one wants to keep their options open and part of that is not burning bridges. Now when I got laid off I took. It really well at first glance when they had the meeting with me I was like hey thanks for letting me know I wish you guys the best and I left. But I got home when I got home I started thinking I started it starts steaming I was like boy I’m frustrated about this and it was at that point that I didn’t really do anything consciously. But it was subconsciously whenever I would talk to someone from this company whether it was someone that was still at the company someone affiliated with the company I would I would not give them the benefit of the doubt let’s put it like that I would always assume the worst and a lot of those relationships they kind of fizzled out over the years I lost a lot of those relationships just. Because I didn’t want anything to do with those people anymore and that was a mistake the the fact that matters a lot of those people have done good things and I think they’re they mean well and having more connections more of a network is always a good thing. So I think. I get like a on a scale of one to ten on the burning bridges I do I wasn’t like a ten I’ve burnt all the bridges. But I wasn’t like a one either where I was like oh I did so graciously I somewhere in the middle and. I would say that a lesson for anyone is to keep those connections open. Because they help with the plan B as well they can help with a lot of things in life and there’s just no reason it’s always better to wish everyone well what else dialer finding a greater purpose my greater purpose I have a lot of greater purposes. But but number one family my kids my wife. I would say faith is a big one thinking about spirituality I have a lot more I need to to do there and a lot lot more I need to do there. But it’s it’s something that’s always on my mind investing I love investing it’s my passion dividend stocks my current job which I love in it aligns with my core values. Because it allows me to be an investor not only my spare time like I am with dividend stocks. But even in my career I’m. Now an investor as well and so it’s aligned it’s aligned with my core. But find that greater purpose what are those greater purposes and it can’t always be the job there have to be other things and that’s why I rally around this channel so much I’m so excited about this channel I love the questions the comments everything the community. Because it’s part of my greater purpose I know from the comments out there that it’s part of your greater purpose too I know that many of you here this is part of all of our greater purpose is this financial freedom this quest this quest towards passive income and I know for myself and for others out there it’s not only about living the easy life or having having passive income so we don’t have to work it’s about being able to use that passive income to give back maybe we may be donating it to charity maybe freeing up time to do charitable work may be freeing up time and money to be able to pursue one’s true passions in life to give back I know that that’s part of it as well and that’s what’s so exciting about investing in dividends and so at the time when I got laid off I didn’t have that greater purpose I was all about the job that just can’t be the case that cannot be the case and so the last one my favorite one it can happen to anyone the reason I am doing this article the primary reason or one of the primary reasons is I’m here on YouTube and if you see some of my earlier articles. You know. that I still have humble beginnings especially in online article. But these days my articles can look really polished I could come across as doing a lot of things right and I am I’m proud of myself. But that being said this happened to me this is. Something I got laid off this first time I’m sharing it with anyone other than my wife. Because I’ve been so embarrassed and I’ve been holding it honestly on for years so I’m excited to share this now. But it can happen to anyone it can happen to the valedictorian of a really prestigious school it can happen to someone that went to Stanford University it can happen to someone that works so hard it can happen to anyone and this isn’t meant to scare folks out there. But this is meant one to speak to people who might have faced that situation that I did have you been laid off did you just get laid off did you maybe you didn’t get laid off maybe got fired I hope these lessons help I hope they help you take a step back I hope they help you find some camaraderie with me. Because I’m in the same bucket we’re all in the same club. But if it hasn’t happened to you I wish you the best I hope it never does. But if it does just remember that it can happen to anyone and I especially think that these lessons are important for the dividend investors for the dividend community. Because it all goes together this is one of the core reasons I invest for dividends I think this should be one of the core reasons that a lot of people out there invest for dividends it gives more purpose we don’t just invest in dividends. Because it’s fun we don’t just invest in dividends. Because it creates security in the future we invest in dividends. Because stuff like this happens life happens and it is part of a greater purpose and it makes life better that’s what it is at the end of the day it makes life better anyways ok I hope you enjoyed the article today and please leave your comments below if you have any questions specifically for me I love to answer them I’m also an Instagram I’m gonna link to that below if you can subscribe like my channel it means the world to me it means everything. I thank you I thank you for the support and before I leave just a friendly disclaimer this is not investment advice I’m not a licensed investment advisor this is just for your fun and entertainment if you’re going to go out and invest the stock market or anywhere else please consult a licensed financial adviser first thanks again for the support I will see you in my next PPC Ian dividend investing article.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

M1 finance App Initial Impressions!

What is up. ladies and gents welcome back to the good ol tech crack house here. Now today I will actually be covering the m1 finance app so I’m not going to be covering the whole thing super in-depth it’s just going to be my initial thoughts and impressions so stick around for more and. So this right here this is the m1 finance app. Now it may not look like anything fancy. But it’s actually pretty nice I’m pleasantly surprised. Now I did say a while back that I would be starting to look at this app and use it and see what I think of it and actually a few days ago I made my my account and it was actually pretty easy to do so I’ve started using it. Now and I’m going to I think keep producing articles on it. Because I’d like to make them also the last time I did a article and from the camera it was very well received. So I want to make another one just. Because I like the higher production quality and I think it’s good so going into the app here basically first things first I write my initial impressions. Now I like this app I like the setup I like the format one thing that I really like about the app is it took me almost no time whatsoever to actually start using the app. Now I downloaded it I’m probably a couple of weeks to go to kind of get a feel for how exactly things were going to work with it I made an account actually just a couple of days ago and then within a few days I was actually able to fund the account and start using it and actually within one day of depositing money into the account I was able to start investing which was really really nice Robin Hood took me a little bit longer than that to actually start investing and. I would say probably about a month or so to actually get verified and started using which was wild I’m not gonna lie. But this was this was pretty quick and stamping also I do want to make it known I am not affiliated with the m1 finance app or group I do use the app. But I’m not being sponsored by them nothing like that. So this article is pretty much as unbiased as you’re going to give it so actually the next thing I want to talk about is the layout of the app. Now the layout in general is really nice it’s very simple it’s not exactly super nice looking it looks. Okay, I suppose I would like it to look a little bit find you can tell that it’s a it’s a semi new thing it definitely doesn’t have as much polish as Robin Hood which is kind of a downside. Because I’m nice to that very quick clean tactile fuel that Robin Hood offers however it’s still fine it’s acceptable maybe a little bit clunky at times. But it’s really not bad overall the design is pretty good pretty easy to understand and I write I don’t mind it I kind of like it as you can see this is the main portfolio page the color palette is pretty it’s not super exciting that’s fine there is no main color scheme or anything like that with the acorns app for example it’s all very bright green which is not right I kind of get tired of it sometimes. But that’s it it’s just what the app offers so actually functionality with investing so far, from what I can tell the functionality with investing is pretty good all you do is put money into your account and then choose from pretty much any option that you want to invest in basically where you want to put your money which is great it’s very simple I it’s it’s easy to use basically it does kind of hold your hand too. Because this app is basically centered around making portfolios. Now you might be thinking I only want to buy AMD or I only want to buy Nvidia for example or Apple or Facebook you can do all that stuff you can only buy one stock if you want to and just have it set up where your entire portfolio is just one stock or you can choose from a variety of ETFs like I chose a bunch of the different Vanguard ETFs I think vti vo o vog just a bunch of a bunch of ETFs like that and. I actually amalgamated them together and something that I really like is you can choose the portfolio distribution. So you can spend you can set the percent allocation that you want personally for adjusted risk level faster growth slower growth more security etc that’s something that I think acorns and stash invest for example are kind of lacking especially acorns they have it all pre allocated. So if that’s good for you then that’s fantastic I like to have a little bit more control and I think this is really nice it’s it makes it very easy to set up portfolios and very easy to invest in them so a final thing here once you have your portfolio set up and you selected all the options that you want you actually just go ahead and put money in and it allocates it it just it adjusts for whatever you want to buy and it’s very quick. I mean I put money in earlier today and I was already invested a couple of hours later so it’s very rapid I was expecting to take at least couple days to go set up and everything. But I’m pretty satisfied with it so initial impressions is it worthwhile to use I still have yet to tell I need to do a for review. I think that the functionality is there I think it’s a good quality app and honestly. I think that they’re trustworthy I can’t see them like absconded with my money hopefully they don’t do that. Now I’m really hoping. But basically layouts good settings are good not overly detailed or anything like that which is nice they keep it simple functionality is nice you just put your money in you choose your allocation for investments and all of it is done for you which is really great something that I would like to see more investment apps actually pick up Robin Hood for example does not hold your hand whatsoever acorns holds your hand too much. I think that this might be a nice mix between the two and honestly I’m really hoping it is. Because I want to see something more like that for kind of intermediate investors or people that just want to set up a portfolio that they want to have to their specifications and then they just want to see how it works I think that’s I see a lot of potential here. So if you’re interested feel free to check out the app and I think that’s gonna wrap up my brief review. So if you enjoyed this article feel free to leave a like share and subscribe folks and keep her here at the tech crack house and audios.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

M1 FINANCE APP FEES REDUCED! Now Free Under $1000

What is up. ladies and gents welcome back to the urinal tech crack house here today I will actually be covering the m1 finance app. So if you like this content feel free to like the article share the article subscribe stick around for more folks and I’m going to go ahead and get this started what is oblation gents welcome back to the give Alltech cranked out today I’m actually super thrilled. Because I think this article is actually pretty interesting seeing as I made a article about this not all that long ago and this is already an update to this article so to that article apartment so to me this really shows that the the em1 finance team is actually working to improve their app and make things better for everyone so let me know if I’m missing anything in this article. But I’m going to go ahead and try to cover the information as comprehensively as I can and. Yeah, and also we’re close to 75 hundred subscribers. So if you are interested in subscribing please feel free to do so and let’s hit 7500 folks so actually m1 finance I think actually just recently revised to their fees they were at a solid 0.35 percent which was actually relatively expensive. Okay, not I’m not going to lie relative to some ETFs and their expense ratios 0.35 percent is a little bit high. I mean you can get great Vanguard ETFs which cost point 0 3 % for your maintenance and honestly that is extremely good. So I think this is nice. Because this is a lot more competitive as you can see they have $100 minimum that you must invest and up to the first thousand dollars there are no fees at all it’s completely free which to me just makes sense. Because if you want to entice people to start using your app it only really makes sense to offer some sort of incentive some sort of free use program or you can actually just go in and do what you want for free and that is really great ok. Because honestly that’s just that’s I feel like that’s going to attracts many more people so up to a thousand dollars it’s totally free. Now between one thousand and one hundred thousand dollars in your account it’s point two five percent yearly which is honestly not all that bad it is still a little bit low. But. I mean it’s a little bit high as women say for many ETFs. But at the same time. You know. it’s actually pretty reasonable it’s not all that bad so for example you have. You know. not only to go up pretty high here so at the top if you have $100,000 permit in your account you’re going to owe about 20 dollars and 56 cents per month so definitely higher than some ETF expense ratios of course of course of course. Okay, I can’t stress that enough people are saying yes this is very expensive and you miss this critical point and yes I know it’s it’s not as cheap as some ETFs. But it’s an app and you’re paying for a service. All right, that’s the thing it’s not going to be as cute and. You know. I want to make that clear it’s not as cheap as owning some ETFs however once you surpass $100,000 it actually drops to 15% not prettier. So if you’re at like ninety nine thousand if it benefits you to just go over 100 thousand. Because you can draw from like twenty dollars a month down to like twelve and that’s just that’s a good increase so at the most if you have a $250,000 account which is not necessarily really where the. You know. the account maxes out it’s going to constitute thirty one dollars and 13 cents per month. Now I don’t think that’s all that bad for having your money managed essentially for. You know. being able to use the app and having that much money in the app. But that’s just me if you think it’s too expensive pick a cheaper ETF. All right, that’s all I have to say. So I just want to make a article on that kind of updating all of you on the new policies of m1 finance and kind of showing that they are. In fact, improving things. So I think it’s going to do for this article folks I hope you all have a fantastic fantastic day if you like the article feel free to like share subscribe do all that good stuff and have a good one folks and on you.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

M1 Finance App What Stocks can You Buy with M1 Finance

What is up. ladies and gents welcome back to the urinal tech crack house here today I will actually be covering the m1 finance app. So if you like this content feel free to like the article share the article subscribe stick around for more folks and I’m going to go ahead and get this started ok ladies and gents welcome back to the good old tech crack house here hope you’re all having a fantastic fantastic day today and if you are feel free to subscribe and stick around for more. Because we are almost at 7500 subscribers everyone and it’s going to be fantastic when we get there so today. I actually just want to look at the m1 finance app and see what stocks are actually available for our purchase on the app so I’m going to go through the Nasdaq stock list I’m going to go through the New York Stock Exchange stock list and then the AMEX or AME X Stock Exchange and that should be good so we’re going to start out here with PIH. Okay, they have PIH alright. So this is a property insurance holding so I’m just going to go through a bunch of these here you are and they have turn ok very good let’s see here let’s her flowers Nick FLW s you have flowers inc ok that’s to see why they have that let’s skip down the list a little a CI a and and s that it’s the ID and a ra y got that oh man this is there are so many stocks let’s go to a page for tea or something more obscure might be hanging out. Okay, so so far, so good for the Nasdaq anyway. Okay, and whoops mkh may have that fi the UV they have that to hook up so that satisfactory I think for the Nasdaq companies let’s go to the New York Stock Exchange. Now and one has to NCS to have that and P Tian has mm. All right, n e e they have an extra energy. Okay, that’s good and L search criteria might be a little bit shaky for that one let’s try that and L industries. Yeah, they have that one. Okay, no and no no one to have that. Okay, so once again let’s skip ahead to like page 44 or something and then o ut they’ve got that OC Owens Corning incorporated they have that tube so basically Nasdaq and New York Stock Exchange are available so let’s move on to Amex here where am ii x looks like. Yeah, ii GRC. Okay, they’ve got that one wrn we got that one w YY have that one X key and key forget that. Okay, so with that being the case let’s go ahead and actually look for um some sort of foreign markets. Okay, let’s try Nintendo stock I totally forgetting the ticker Nintendo stock right. Now. So you want oh. Okay, so that’s not intend oh and that’s that’s. Yeah, different so basically I don’t entirely know if they have access to foreign stocks or anything like that foreign stock tickers let’s find some of those I just want try to you more. Okay, European no no no wait that’s under Nasdaq. Okay, so basically all American exchanges I think are actually available and that’s pretty satisfactory for me. Because that’s actually a pretty broad range. So if you’re interested in something specific on the American market system they probably have it otherwise I can’t really speak for foreign markets right. Now I’ll probably make a separate article on that. But. Yeah, that’s just a little bit of a test I want to run and I hope you all learn something. So if you didn’t like share and subscribe and adios folks.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

M1 Finance App IS IT A SCAM

What is up. ladies and gents welcome back to the urinal tech crack house here today I will actually be covering the m1 finance app. So if you like this content feel free to like the article share the article subscribe stick around for more folks and I’m going to go ahead and get this started What is up. ladies and gents welcome back to the tech crack house as I already stated today I just want to make a brief article covering basically the wealthfront app and whether not well front am I saying the m15 except I apologize folks too many investment apps and basically whether or not. I think that it’s worthwhile worth using or is it a scam just do they take too much money from you. You know. what are the pros and cons of using this app so first things first. Okay, I want to let. You know. that there are fees associated with this app. Now that should be no surprise many investment apps except for Robin Hood honestly use investment fees and fees in general. Because they want to make money and that’s totally understandable these companies gotta stay afloat somehow Robin Hood uses basically like Arbor Church with your cash that you have in your account to make money for themselves which i think is absolutely ingenious. But a lot of apps. You know. they either can’t do that they do??t the infrastructure etc etc basically they charge you. So I believe that the em1 finance app charges you 0.35% a month. Now I’ve talked about this in the past this is not thirty five percent this is not three point five percent this is point three five percent so roughly roughly a third of a percentage point. You know. I’ve made articles about stashes fees in the past and people call out my math and the thing is the math isn’t incorrect. All right, the fees are really pretty darn minimal. So if you have like five hundred dollars invested even or two fifty you’re going to be paying like maybe seven to thirteen cents per month which is if I’m thinking correctly seven cents Terr. Yeah, any way around that range per month which is really very very minimal that’s barely over $1 per year or it’s under $1 per year depending on how much you have invested so does it cost money to use this app yes it does. Okay, is that money wasted do I feel. I would say no. Because. You know. unlike with for example stash nuts and acorns with the mo defended finance app for me you actually can choose whatever securities you want so we have vti here we have iShares MSCI we have let’s see here no we might load my thinking oh let’s turn this to guggenheim strategic opportunities fun to beneficial interest basically you can buy basically any apis and not act you can buy basically any security or stock or anything that you want ETFs etc and it’s not restrictive and I like that a lot so despite paying a bit it’s still very up to the user to basically. You know. be hands-on it doesn’t do a ton of work for you. But it’s a good deal you’re able to buy stocks without paying much money upfront so pretty much what I’m saying is is it a scam is it worth your money I’m going to say no it’s not a scam is it worth your money. I would say yes. Because to get your feet wet and start investing with unlimited trades that’s pretty darn cheap that’s really pretty cheap overall that’s. You know. really not a bad price so the thing is. You know. I I think it’s very nice I think it’s a good offering and what I recommend it so far, yes I don’t have a ton of experience with it. But basically I don’t think the fees are too expensive I don’t think that they’re extreme for what you get I honestly I think they’re pretty good pretty satisfactory. So I think that’s going to do it for this article folks anyway I just want to make a quick article talking about that and I hope you all have two fantastic fantastic day and adios.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

Lesson 3 Building An Email List For Long Term Results Part 3

All right, Kenya one of the last article basic the team. All right, let’s say that guy was getting 200 meters a day. All right, twelve thousand leaves and every 22 months every 60 days he’s been twelve Albanese way to the YouTube article and what he was doing that Shelley was ranking the article let’s say he wasn’t right in the article. But rather. You know. running article add to it and let’s say he didn’t make his money rest right up front from the article s. But he was at least capturing that email. So if he captured an email if he captured him on an email is he could then turn around and email those same people. I mean that six thousand people on email is that you could just send out an email to unless face the oakland raiders like thirty percent that’s 1,800 people that opens the email. All right, let’s say out of 1,800 people let’s say half of that click on it so let’s see / a half. Now you got 900 all 900 quick. All right, let’s say you’re going into a trough get five dollars thirty thirty dollars so 900 and let’s say. You know. ottimo start sell offers the conversion rate is around from. You know. one to ten percent tops so let’s stay conservative and say two percent a 1.5% raffle is just a two percent that’ll be eight right so 922 18. But maybe I can eat anything every team right so 18 people buy the product like that’s one email. Now 18 people buy the product 18 x 32 that’s five hundred and sixty dollars every email that person sends out you send out an email twice a month you give them value value value for two weeks straight and thin it out of email twice a month to that fameless’ one for garcinia and the second one for colon cleansing those two products majority affiliates put together on those editorials. So you say one for garcinia one for colon cleansing that’s a thousand dollars months just offer autoresponder that’s it that’s all I got to say I’m done I’m done like I’m waiting on the thing to close. So I can fight. You know. do it on a traumatic way I’m done it’s not working out like i want to. But. Yeah, if I suppose doing dramatic way you like I’m done and I click the button is posted and everything i’ll be like. But still I creepy button. But I don’t think I hit harder know. So, you know. it’s like. You know. what I’m doing this how i’m doing is that. Okay, 12. Because I’m done.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

Lesson 2 update 2 the Next Morning YouTube Ads CPA

so he’s gonna cast me Jeremiah literally literally just woke up it’s added to the chorus. Because it’s ten o’clock in the morning here and see what I kept paying done so far, as s’mores we just been briefly go over it and see what’s happened and that’s Mike so obviously you see I spent like sick 6:58 whatever made on two bucks at the outer properties family we made money. But it’s not in profit yes so we spend made elastin and what we spent solely in the whole four or five dollars. Okay, what we’re gonna do is we’re gonna go inside a campaign you wanna see what’s what’s. Now that necessarily as a fact in our campaign here dad’s just gonna wish it. You know. thought I didn’t after all I kiss the keywords that’s just my. So I guess this keyword like here human lives a high volume of traffic so what I’m doing pause these skiers. Because it the coronation that’s all um do things yes Jim just like happy decreased bit also. All right, so that’s why I beat for day spent seven knowledge me to be and I come back in part a couple more hours that’s it.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

Lesson 2 Part 5 Setting Up The YouTube Channel Correctly

hurry back we’re back guess what I had I had bojangles that boo jingles that’s why I hat. Now what we’re gonna do we’re gonna figure out we’re gonna not figure out we’re going to finish up this cream count process here and create password hey I’m gonna use an email uh-huh let’s do that. Okay, and one flat this if I’m not a robot. Now if your robot don’t don’t don’t try to attempt this. Because if your robot you cannot do it. You know. you only got to be human to do it like four if you’re human you’ll be able to do it. Now what you’re going to do even sweat truck or imma do like trucks partly difference for you. All right, hey clarify then we’re gonna sign it up I’m gonna save. Because we may need it in the future. You know. what to do that gonna pay get this edge team 2xl when we do put an area code of somewhere let’s see area oh area code ah let’s say Ariel Colo Charles notoya 470 for learning type in 70. Okay, there we go we got a phone number copy this number what we can do as we copy the number what to do this physically after you copy your number like this right here. Okay, copy it exit out text. Now and what I want you to do I want you to click on call so call me with an automated voice message and I want you to put paste the number in there like that and i want you to click Submit. Okay, that’s that’s all we’re going to do right. Now ok go back over so basically what I did I waited a minute. Yeah, I’m go back over to text. Now see if I message how can we see we have any had anything yet so here’s time I’m gonna head to get back out of it and give it a little bit more time for the message to low ok so leave this windows open leave this windows open right here and we’re going to wait for that ok exit out that well I want you to do also is open a new tab goes on me for YouTube again excuse me what I want you to do is I want you to come over here i’m going to go backward what click on CH my channel Article Manager like this is on channel click on advanced it right yeah. All right. Now what I want you to do I want you to edit it. You know. create tells tell a lot of challenges decided two things that nature is how many United States keywords i want you type in what tickler keywords just involved i’m gonna say gaming gaming articles you like fun cat articles town cuter so those those are my keywords there’s going to be a comma detail allow advertisements to be displayed alongside my articles I want you to uncheck that right. Now if they will enter space add yep I want you to do that right there alright for hours when I’m going to worry about this yet allow my channel to appear in other challenges just waiting knowing people subscribe to my channel and I want you to uncheck this one right here and i want you to click save. Now I want to stay in here. Now stage right here. But button drastic is about to change once you verify youtube channel guilty okay. Now I message out delivered we don’t want to play it you should not get it with anyone else you and I don’t want to look at Africa to fill out your code is seven one seven six five nine again. You know. who it is 71 so we gots out text. Now now and you could say you can see is that congratulations with YouTube account has. Now been verified so. Now we just read our YouTube channel so it’s very right. Now that point. Now look at this. Now before it was for things like it. Now it’s a little bit I see at least two more boxes highlight here for us they enable thing. Now what I want you to do that here on this screen is I want you to it if you save it. Now make sure you taste it once you refresh it associated website is right here has appeared what you’re going to do in this case is take your domain. So you can say like your domain and you’re going to add your domain right there and what it’s going to do is going to say so she ate with this site you must verify you you home this own it so you’re going to click on this verify button right here so let me login here login to my google account and it’s going to give you an HTML file what you’re going to do you want to download this on a little bits right here you’re going to upload it onto your domain there and then you should be able to click right here to confirm and then you’re going to check right here I’m not a robot and then even verify that’s all you’re going to do. Okay, so that’s mainly the chill of everything I wanted to show you this article of how to really get your account up and verifying it. Now what we’re going to do we don’t go into getting a article specific article so let’s say something like coin CC creativecommons what we want to do is go back to where we uploaded this article first email click on upload article editor and after we get over there we’re going to click on CC and then we’re going to click on quick creative common that’s def ccc well CC whatever onion tongue twister you so what I want you to do. Now is find a niche which you feel like promoting anything you feel like somebody. Because in this matter if three things are going to be testing as article keywords those three things are the three things that which was actually test in this scenarios as article and cures. Okay, so what I want you to do is type in something you want to tell right so let’s take coin hack. All right, all of these articles that same creative commons we can legally use those articles legally no problems this isn’t black hat is completely y hat pletely legal by youtube which the user and the creative of these articles lately gave us access to use their articles. So if you want to do that come over here to CC and you can do that. Now creative comments I’m gonna see let me see if I can find a article I want to utilize mmm yesterday free iPhone alright here’s one go right here here’s one right here contest. So I believe you wait wait turns out out that I have we probably with you so long it only may not give you the back way like I keep drivers or maybe if you like to start over so many one in so long this is my get one is slightly on you leave a comment down below no no no see that’s a article right there we can legally take. But simple simply doing something very simple dragging it right here we have that article Bible to get out anyway turns out out. But I have waited and I think it probably you solo it all don’t live in a nut dip in the back way wait like I keep the driver or maybe if you do I like to start over so many you wanna do so long this is my current way I want another time apparently I’m running out on this article. But the main gift is I want you to create article right there and your article is. Now in your channel and then we’re going in the next article edit this article in form of matter where as you can actually use this article for article ad ass ok so that’s what we’re going to do in the next article we already set up a channel where you.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

lesson 2 Intro Of Setting Up An YouTube Paid Ad

hey. Now this is just an update to part lesson two is which I’m going to be sharing next and I just wanted to show you that in less than one necessary that was just a setting up process so the next lesson I’m gonna be going over. You know. setting up the big counter and things of that nature and all the other good stuff I didn’t share it in there and then in less than 3 i’m going to be talking about some more detailed content which i haven’t shared in less than one nor two alright so tomorrow I’m going to be dropping in lesson two and I want you to pay pay attention to that and tonight I want you to go ahead and focus on us and wanting to see how things are working. Because that’s nice initially what everyone want to see. But you won’t have a great set unless you see lesson two also okay. So I just want to share that out there and get that get that out there. Okay, so see you in the rest of lesson to tomorrow. Okay, so next day be tuned check it out feeding feature.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

lesson 1 Part 3 Of Setting Up An YouTube Ad

All right, like i said in the last article we don’t do anything what we do in screen alright so basically make sure you click on your screen and script intersection going to do an in stranger then what we’re going to do and click on add element article or playlist most recent uploads that’s what you’re going to click click click on article and playlist create elements drag that right there make sure that you drive this all the way down to the laptop second for the player. Now once you’re going to do this I’m going to click on add element you want click on me when you want to click on marketing la carte remove type in mind ok that’s what I me. But let’s make sure let’s make sure to go to it she’ll say that saw me. All right, one click on next. But we heard your opinion matters get paid I’m do that sign up we’re going to get wendys and survey for cash types up survey for cash google images ooh too cliche ooh too cliche let’s go here’s who I guy here Kratos. Yeah, ah I like it wahoo lock it up let’s see here was this sign up for free we went up a cutoff for free beer papi there’s got to be a certain dimension let’s see here I think it does think it does did statistics let’s try this one oh look stupid move move see I move and square button with it I like this image I’m gonna say you down uncle back up did you chill won’t get the glue and on the image at cycle it is I’m over here I’ll click on change image just chip chip chip chip chip just just open great element screw you I be doing about 300 see if they got three about the morning here where you were oh well you will hope were you will oh shoot shoot shoot shoot shoot gosh. All right, let’s do this well click on surveys cast about a google thing will go its tools and click on your status and we do custom I go to question inside are you can do custom more tools exactly this exactly 300 by 300 time we’ve gone click on go go oh. Yeah, I’m going to use this one I like it look plain simple look save image I didn’t do save it PG we still get overloaded PNG first they also do its name there we go say say surveys wait then we got a jiff right there so what we did there create an inch screen great element in screen cannot start after first element I you want to be a thought huh i’m confused i am mark mine hey you see I run into issues to. You know. I’m not all that perfect. You know. honestly issues to get paid ad p. All right, sign up here open create element ball. Now we’re going to say I’ll right click and move right there let’s resolve oh there we go eh eh Hey Oh in quick on vacation in Thailand it doesn’t matter where in the world you live there are companies that want your opinion and will pay you for it if you’re ready to learn exactly how you can start taking these types of surveys also just scroll down and read my story i’ll show you how to copy what i do and it move is collected. All right, see. Okay, look we dun dun dun dun i bargain over there cause an ischemic swing and copy this. But if I need ammo and Cooper article mixer got there brother it’s gone graduation I wait to your mom. So I can feel it rather answering right there view that link in description right there hope you like this technology. But main gym of our article is set that’s it how about this I have nothing else to do peace that’s interview that setting up the campaign and this series is part one and yes that’s nearly all we have to do here yep. But sit and wait for the results to come in and then we will actually come back and see the results the next day. Okay, see you later p.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

lesson 1 Part 2 Of Setting Up An YouTube Paid Ad

All right, school this is what we’re doing here this article right here what we’ve got to do are literally about to set up a campaign and all that good stuff which is just the next process in this article. So this is one of my YouTube challenges called market a la carte noodle and what I’m about to do is I’m about to I gotta connect it to a Hostgator account and I’m a login tool mark de la carte and domain and I’m a creative foul index file undermines pace so that’s that’s initially what I’m about to do right here for this channel and I’m put this going there I’m also going to take a conversion pixel tool and I’m going to put it in. Yeah, or this how we’ll be tracking. Okay, so we’re gonna be tracking completely with ours who not gonna necessarily be tracking with what you might call it tracking software like CBP Laos or prosper we’re gonna completely solely be tracking with YouTube as here. All right, so let me go here to file manager and see did I say you just. Yeah, that’s safe. Okay, I’m gonna go to HTML and then we’re gonna go to mark Jane Lockhart which is right here and what we’re gonna create folder say mine did we say mines plural mine. Yeah, I think I’ll freeze mines pearl yes I’m gonna say mines Hey alright words that’s plural and not coral makes a big difference taketake knowing that foul we’re gonna say index.html alright and what we’re gonna do here I’m gonna change this to the s I’m gonna do. But Eddie disco edit Joanna let’s go to the article. Yeah, I see it coffee $10 guy my name is Jason white and what your setup Jason we’re gonna do let me get a redirect code so nearly just happen redirect HTML code you see how I just went in Google they’re not special nothing at all. You know. I use Google a lot to find answers to this stuff and I use other people too so got this copy this I’m gonna take this redirect Co gonna place it right there. All right, oh when do unto that link right here copy this gonna take it and put it right there. Okay, and what we’re gonna do here. Now is we’re going to finish our campaign setting up our campaign and all that good stuff copy this article URL make sure I changed just. But before I can get mine it’s paid say use cool. All right, over new year campaign Amy that’s cool with me is cool all this stuff’s cool in streaming article discovery has make sure we’re doing that budgets in dollars. Yeah, Network partners so I’m gonna do this one right here only youtube article on youtube search we’re gonna do us that’s necessarily where this campaign wants to be advertised country us excuse me – so linguish. Yeah. You know. it’s mobile tablet we got a we have abroad right. Now so we’re gonna leave all that blank next week and let it load up here. All right, we do want to take our article place it right there and strain and let’s see what these things they continue to read my story below ooh ooh. All right, check the right there let’s do that. I get paid for surveys I think sir surveys and get checks I like that alright description watch this article a 2d it’s good call to action to you. Now many page what we’re gonna do we’re gonna go to article watch page initially maximum CP v I’m gonna set that at 7th that’s what I like to start my campaigns at. Now you’re targeting when new keywords I’m gonna say surveys for cash my ash cash and what we’re gonna do here we’re gonna click on find related keywords alright make money online surveys I like it I like it I like it I like it I like it I like it screw everything else. I mean keywords was that like six seven six let’s get one more be sexy no yes that one too. So I got eight keywords in it so I’m click done alright so really what I’ve done here I literally set up a campaign we got an ad copy right here we have our bids set we got our keywords we know it about targeting. Now we’re gonna click Save ad group I campaign is set it should be set so we should be keywords. Yeah, we got our keywords right there so. Now you see I can’t very good this campaign five minutes to is a client campaign is not necessarily CPA stuff alright so we got that set. Now I’m gonna go back over here to the article when they edit the article. Now. So you can click on this pencil icon. Okay, that’s how all this no we can’t. Yeah, we need this open we need to go to tools go to that whereas excuse me screw you two right. Now go back to ours I’m gonna click on tools click on conversions. All right, see how much time got off so we got like three minutes left. All right, click on the red plus on the create a new purchase my own website I’m gonna say my space alright that’s what we’ll name it. All right, we’re gonna play give it a value each version goes one dollar we’re gonna keep that right there click on save and continue at the bottom gonna copy this and we’ll go over here on pace inside that same redirect file so that same file that we edit the code and put a redirect script to absolutely attract I think whatever we’re gonna put a conversion pixel right there to and once we do that we’re gonna save it which is a success save it again make sure it says Buddha and. You know. we can exit out you we got a conversion pixel out there and we got to true that campaign is. Now set what we’re gonna do. Now who’s gonna click over here in YouTube where you edit the article so we should go back to the article and click on the pencil icon and click on edit chillip like this what you’re gonna do then you’re gonna click on call to action overlay and what we’re gonna do is say headline cash for or you can say something slick like this click here for a surveys Oh check this out BAM good coughs no I’m gonna do here I’m gonna take a link go to article let’s see here polls polls Oh and we’ll take this link right here initial domain gonna take this link right here copy it put in displayed put in destination URL and we’re gonna save. All right, so we got our call to action overlay so what that basically does is watch this little corner right here boom. Okay, look at that you see this look at this look at this alright. Now what we’re gonna do there we’ll go to in screen right and a notation screw a notation we don’t do it in rotations we don’t I’ll see you in the next article. Because we don’t do any occasions.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

IS STASH INVEST A SCAM (OUTDATED Check Desc. For Update!)

what’s up ladies and gents welcome back to the old tech crack house your hook girl having a fantastic day I know that the weather out here in Detroit is absolutely beautiful it is snowing a little. Now and I enjoy watching um. You know. all the people putting the chains on their tires and that’s actually something about winter that I really like is um a permit is the the sound of the chains actually grinding on the road I think it’s just it’s such a holiday sound to me and it’s really nice and it’s just it’s great it’s great. So I hope that all of you are– for a fantastic article on stache invest here sorry about that I was a I was waxing poetic a little. But anyway I want to talk to about stache invest and try to determine if it is indeed a scam or not I know that some people actually do really like it and I do too honestly. But the thing is there’s an aspect of it that a lot of people don’t really realize and stash invest kind of puts itself out there as a front forum like an algorithmic trading type deal which it is. But at the same time it’s it’s not really it’s more of a service that buys a certain stock for you and then I pretty much cuts down on the amount of work you have to do you just kind of select what you’re interested in in order to you buy into it so it’s not really it’s not a scam I guess is what I’m trying to get at it’s just not completely honest stash invest unlike other programs like acorns for example just basically buys certain shares for things. Okay, so for example we’re going to go to discover investments here to kind of. So I can kind of show you I’m talking about so say for example you’re interested in investing in clean and green. Now that’s all well and good. So if you click on that it’ll take you to the clean and green page and you can actually see the top exposure the companies involved in it. Okay, which is pretty cool and then you can actually see that the underlying security it is made out of is a. You know. I see Ln or the iShares global clean energy ETF so it’s really you could cut out the middleman just by buying this stock directly pretty much I almost feel like stache best is kind of an unnecessary step. You know. in terms of buying a stock. Now the thing is the thing that’s actually nice about stache invest is on you can buy incrementally so for example you can start investing with just $5. So if you’re using a. You know. $5 account and you want to buy clean and green and you would usually need seven dollars to buy a share of IC ln you can still buy five dollars worth of it stache invest statute does those weird pronunciation there. But anyway I think you get the idea the thing is I think that’s it’s it’s good and it allows for a greater degree of accessibility. But it’s not really doing any trading for you exam for the bit doing a trading for you exactly that’s why I’m in to say I’m sorry about that my my speech is a little slow tonight. But. Yeah, it’s it’s it’s totally fine and for beginners. You know. it’s a nice little kind of segue into the actual act of buying stocks and it’s a little bit more lenient. Because you can pretty much just select what you want to invest in you will have to look up these securities or anything that’s another benefit is um. You know. you’re interested in clean and green for example. So it gives you something that you can buy right off the bat you don’t have to do research you don’t have to look into anything and that is actually a nice feature that I’m sure a lot of people are interested in so like I said it’s not a scam the fees and everything are actually pretty reasonable and they also further the accessibility of the app. Because quite frankly. You know. dollar month is not that bad it sounds good it’s like Robin Hood. But for example. You know. when you buy these stocks stash invest does most of the work for you so that’s kind of what you’re paying for for example so it’s just kind of like an additional middleman I guess. But it’s not a scam I really I’ve enjoyed my time with it so far, it hasn’t exactly made me a ton of money. But that’s totally fine. You know. I’m using it more experimental II and I’m just trying to see exactly how it works and what exactly goes into the app and. You know. if it’s worth everyone’s time I do like also that it shows you the top exposure of the ETF that you’re buying into. I think that it’s also pretty nice. Because that gives you more kind of an infographic right away and gives you some other things such as. You know. some other basic demographics and statistics for example 5% stash and best community owns clean and green whereas if you look at like defending America I would assume many more people on this one 6% ok hardly not that many more let’s see if we can find like blue chips or something. Because actually I want to see who owns a lot of something who owns a 12% notes wood chips for example so some of them are just higher than others. But as you can see this one is kind of the same deal it’s the mg C ticker. But for example I have ten dollars invested in blue chips whereas mgc usually cost seventy four dollars and seventy seventy four dollars and ninety four cents per share so just it allows you to buy things for incrementally and that’s nice if you’re interested in that. So I hope that all of you can kind of take away something from this article stash invest is not a scam necessarily it’s just a middleman that might be an assert. But there are features you’re worth it. So I think that’s going to do it for you today guys. So I hope you all have intense to cross the day and enjoy the nice weather out there and enjoy the sound of the scams not scams the chains just come from like saying the sound of the chains on the road and I have a good one adios.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

INVESTING TAXES EXPLAINED Dividend Vs. Growth Investing

so I have been investing for over 20 years. Now and I have picked up a wealth of knowledge over the years on the topic of taxes and I invest for dividends and cashflow and I tend to believe that dividends they are a very very tax efficient vehicle especially for someone like myself who is interested in living off of their investments and so today I want to share my knowledge with everyone out there this is a popular subscriber question I am so grateful I have over 7,000 subscribers here and many of the questions that have come through over over time have been about taxes and so today I’m going to discuss my knowledge that I’ve picked up on taxes not only from a dividend investing standpoint. But from a growth investing standpoint as well I’m going to compare and contrast both of them and share some really really exciting stuff today on the topic of taxes so let’s get ready certainly I want to add an important disclaimer today that I am NOT a tax advisor this is not tax advice taxes are very complex I may or may not be making some mistakes even in my presentation today and so it’s important to to go out and speak with a licensed tax advisor about these types of topics before making any decisions as it pertains to your taxes so welcome to the article everyone thank you so much for everyone out there who is subscribed who is supporting it means the world to me and I want to answer this longtime subscriber question today about the topic of taxes and so let’s jump right into it first I want to start with some examples so I’m going to illustrate what I have personally experienced on taxes through example an example one is a recent example actually where I invested in a growth vehicle believe it or not I am a dividend investor and being said from time to time I do invest in growth vehicles and. So I am not immune from from investing in growth anyways I invested in Bitcoin I invested in Bitcoin in 2017 I’ll link in the description below and I was really late to Bitcoin. But I started researching it quite heavily in 2017 after my wife had actually brought it up years prior years and years prior and I way too long to get in. But anyway as I started investing in Bitcoin 2017 around July and my average buy price I started averaging in between 2,000 and 3,000 per Bitcoin and some some purchases above 3000 as well my average price that I paid for the Bitcoin that I bought was a 3300 $78 and I ended up selling I’m. Now completely out of my Bitcoin and my other cryptocurrencies as well as of 3 March 2018. I actually sold most in 2017 and a little bit in 2018 whatever was left my average sale price was 14,500 $1 and so in a period less than one year I made a three hundred twenty nine percent return this is very abnormal this is this is one of those corner cases where I saw the opportunity I wanted to go for it I wanted to break my mold I usually invest for dividends in cash flow. But I saw an opportunity here to to make a short-term profit and to then redeploy the profit into cash flow vehicles my bread and butter anyways this is what’s considered a short-term capital gain this is what growth investors oftentimes have to deal with look at this Bitcoin. Now as of today is a seven thousand seven hundred eighteen dollars so it’s actually about half of the value of where I sold it from. So if I had held I had held Bitcoin until. Now and it hasn’t even been one year it hasn’t been one year even. Now it could go down further it may or may not it seems like it’s stabilized here. But the fact of the matter is my sale my sale price would have gotten cut in half if I waited just to try to get into long-term capital gains territory and we’ll get more into that in a minute what that means. But the point here is with growth investing one has to time it one absolutely has to time it and when it is time to get out it is time to get out and sometimes that will be in the short run I never expected this to be this short of a holding period I thought I would hold Bitcoin a few years and I would be out. But it went up way too fast and I knew I had to get out to book those games and this is what growth growth investing is all about buy low sell high in that sell high and it comes quickly one has to get out and. So I got out in less than one year and what happened is I was hit with a large tax bill knowingly. Because it’s a short-term capital gain if one holds a stock for less than a year buys low sells high they are subject to what’s called short term capital gains and short term capital gains are basically taxed at once a marginal tax rate and so just it’s taxes ordinary income just as one would earn from from their job from their console work really from any source of income earned income that one earns short-term capital gains have the same tax status and so that is a really hefty tax bill it is. In fact, it maxes out around 37 percent for the highest echelons of earners in the United States those earning the most money short-term cap gains as looked through the lens of ordinary income it caps out around 37% and quite frankly there’s a possible 3.8 percent surcharge on top of that for the high earners due to the Medicare surcharge we’ll talk about this a little bit later and so that’s just federal by the way if you live in a state like myself a California there’s an additional alum state tax as well we’ll talk we’ll talk about state tax versus federal tax later. But basically short term capital gains are big taxes and not a growth investor. Because growth investors have to buy low sell high and the sell high oftentimes comes with in the same year it comes within one year that said I’m really happy with this investment I’m glad I booked those games and it was look if I can earn 329 percent in less than a year I’m gonna do it and that’s very very rare anyways let’s go on to example number two this one is McDonald’s I just did a article on this I’ll link in the description below this is a company I’ve owned for a while this is really. Now a tale of two types of games so McDonald’s and this by the way is called capital appreciation what I experienced with Bitcoin Bitcoin does not pay a dividend so there’s no dividend just capital appreciation and that’s what growth stock investors are typically after capital appreciation buy low sell high McDonald’s. I actually never bought for the capital appreciation. But I did experience capital appreciation and dividend growth so check this out I bought this for 70 350 in 2011 as of. Now in 2018 it’s at a hundred and $59 and so my McDonald’s stock it is up it is up quite a bit 116 percent. But that is not the picture I never bought this stock to buy low sell high. In fact, I bought it for the dividend and so the dividend right. Now it’s four dollars and four cents per share I divide that by my purchase price of 70 350 and. I get a 5.5 percent yield on cost this yield on cost will go up over time by the way. But this five percent yield on cost is it’s pretty wonderful this is five percent that I earn every year on my initial investment that comes through the door in terms of cash dividends this is cash flow that I can literally use to pay the bills and this is above and beyond this capital appreciation and here is why I like dividend investing capital appreciation I’m never gonna sell this thing look even if I did sell this thing I’m subject. Now to long term capital gains which is different than the short-term capital gains I was talking about up here so that’s amazing. But let’s say hypothetically I had only owned this for less than a year let’s say I made all this money it went up a hundred sixteen percent within one year of buying it if I wanted to sell my McDonald’s I would I would have to pay those short-term capital gains and certainly that’s not why I invested in McDonald’s it was for the cash flow and so anyways by not selling I’m deferring it I’m just deferring it out I don’t need to sell it I don’t want to sell it I didn’t buy it for the capital appreciation these gains are there and one day maybe I’ll make use of them. But boy I don’t need that. Now and so the beauty of dividend investing is it can completely defer this side of the picture I just don’t need it and this side of the picture where I’m actually bringing in yield I’m bringing in cash cash dividends they are taxed at a lower rate and so instead of paying short-term capital gains like I had to in my Bitcoin these dividends that come in from McDonald’s are called qualified dividends not all dividends are qualified we’ll talk about this more in a minute. But these ones are qualified meaning they’re taps at the long-term capital gains rate long-term capital gains is a lower tax rate than short-term and. In fact, long-term it’s at 20 percent for the highest highest tax bracket out there many Americans most Americans probably fall more in the 15 percent capital gains tax bucket and then there’s also that potential 3.8% Medicare tax we’ll talk about that in a minute again that’s for the very high earners people who have very high income coming in. But we’ll talk more about that in a minute and the beauty here is these dividends. Because they’re qualified they are subject to long term capital gains so it’s going to be a lower tax rate and this in a nutshell is why I like dividend investing versus growth investing growth investing is so unpredictable when the gains are gonna happen sometimes they happen within one year and then I’m just hit with a huge tax bill and the thing is is let’s say I want it to be a growth investor and I wanted to live off of my growth investments sometimes it’s just too lumpy like with Bitcoin maybe I didn’t need to sell so much at once maybe I wanted to wait a few years and sell a little bit at a time. Because if I waited more than a year it would be subject to the hung term cap gains rate. But the fact that matter is this I knew I just like heyy and this has gone up way too fast I need to get out of it. Now immediately and. So I had to pay those short-term capital gains tax rate just. Because I knew I can’t hold this thing over a year. But with McDonald’s different story here I’m enjoying all this capital appreciation that I completely defer out I don’t need to sell and never gonna sell it defer it out and the dividends they come in quarterly they come in predictably they’re gonna grow each year over time as long as McDonald’s keeps up its amazing track record and as they grow I’m going to have more and more cash flow that I can use to pay my bills and it is this cash flow it comes in it’s going to be taxed at a lower rate here’s another way of looking at it let’s say I want to someone just get a comment about this this was interesting I was writing I was doing a article about actually my last article about gross stocks versus dividend stocks and the person had asked hey Ian why do you why not just earn enough money to pay your bills and then you don’t have to worry about growth stock versus dividend stock you don’t have to worry about cash flow. But at the end of the day why does one invest one has to have a greater goal maybe the goal is to have a lot of money to give to charity one of the maybe is to live off of the cash flow like me. But there’s no real sense in investing in accumulating money if there’s no goal there’s no goal in the end and so when one looks at it through a practical lens like hey I’m investing I’m investing for a reason I’m investing to pay my bills one can do that and they can invest and it can have cash flow coming through or one can have a job they can go out and earn income when one earns income through a job it’s going to be tat it’s taxed as ordinary income which is at the higher tax rate dividends though dividend income it’s always as a qualified dividend at least tax as long-term capital gains and. So this is why dividend investing in my opinion is so effective and so efficient is that is taxed at a lower rate than people who are out there working and earning a paycheck this is key if I were to go out and earn a paycheck that income that’s coming through is taxed at a higher rate than if I have passive income coming in through dividends so not only is living off of dividends amazing and it frees up my time it gives me flexibility. But I’m rewarded I am taxed at a lower rate for having my income coming passively versus actively which i think is amazing and so in my opinion dividend investing is very tax efficient as compared to earning income and it’s very efficient often times as compared to capital gains short-term capital gains growth style investing. Because it’s subject to long term capital gains in many cases for for qualified dividends at least so these are the first two examples. Now I just want to go into some notes I want to get into the nuts and bolts of what I’ve picked up as it pertains to taxes over the years and so stick with me here I know this tax stuff gets complex. But it’s very fundamental very important to to understand this as a dividend or growth or any kind of investor so also worth noting taxes are paid on a federal and state level and. So I live in California and so I’m subject to federal taxes. But I’m also subject to California state taxes and when is an investor it’s really important to research the state taxes. Because they’re very different state-by-state so in California for example they don’t even distinguish the difference between short term and long term capital gains in the highest tax bracket it comes in at 13.3% and whether you have a dividend coming in whether you have a a capital gain coming in a short term capital gain like in my Bitcoin example it’s all at that same marginal rate and 13.3 is the highest marginal rate right. Now of them all for California. But there are other states for example like Texas where there is no state income tax on on income and so dividend investors who are earning dividends or or capital gains investors growth investors who are earning capital gains they’re not going to be subject to any state tax to the best of my knowledge on those investments if they live in Texas and so the key here is to sit down with a qualified tax advisor to understand your state understand the implications of your state and quite frankly to start thinking about the bigger picture to if maybe you live in a state that’s less advantageous for taxes maybe at some point in your future maybe when you have enough dividends to live off of would it make sense to consider living in other states it might it might not or it might. But it’s certainly something to think through. Because the state income tax can be wildly different for investments and through for earned income state by state so next note there is again just to summarize short-term capital gains is the same as ordinary or income earned income it maxes out at 37% on the federal level and I want to talk about this. Now there’s this 3.8% Medicare supplemental tax this really started popping up in recent years this is for people who earn more money higher amount of money so certainly talk to your tax advisor about it to see if this affects you. But certain people are going to be subject on any dollar amount I forget what the threshold is. But all dollars above a certain threshold they’re going to get this extra 3.8 percent tax above and beyond the the 37 that already exist and my understanding is the reason for this 3.8 percent is really the advent of Obamacare. Now that there’s the Affordable Care Act. Now that there is Obamacare this 3.8 percent tax has surfaced and so it’s certainly something for everyone to to keep an eye out for however this tax actually affects both short-term capital gains and long-term so short term really applies to two types of investments short term capital gains apply to investments for one buys low sells high like my Bitcoin and they do it in less than a year or it also applies to dividends that are not qualified these are dividends that typically come in from a real estate investment trust for example. Because a real estate investment trust it avoids double taxation there’s no taxation paid at the corporate level it’s passed down to the shareholder level the shareholders are paying the taxes at that short term capital gains ordinary income rate and so that’s something all else important to know about ordinary income moving down long-term capital gains long-term capital gains if one is a growth investor let’s say I held my Bitcoin for more than a year then they fall into the long-term cap gains bucket also long-term capital gains affect people who invest in dividends. Because qualified dividends are treated as long-term cap gains and again to summarize long-term cap gains max out at 20 percent. But also that 3.8 percent Medicare surcharge can pop up in that bucket as well for people earning a lot of money and so certainly discuss that with your tax advisor as well so moving down we talk about qualified versus non qualified most of the dividends that I have generated in my dividend portfolio are qualified dividends I don’t have huge exposure to real estate investment trusts although I own one of them and I’ve discussed this in Prior articles I’ll link in the description below and there’s a reason for that part of the magic of the tax efficient structure of the tax efficient strategy of investing in dividends to achieve this long-term capital gains rate to achieve this this qualified dividend rate and. So I try to stick towards companies that pay qualified dividends. Because again I believe it’s a tax effective vehicle. Because my tax rate on my dollars coming in my passive income coming through dividends is lower than if I were to go out and earn the same income. But it’s only going to be that way if I stick I stick towards those qualified dividends and so certainly. Something I always have top of mind what else. Okay. I get a lot of questions here about tax advantage accounts versus non tax advantage account some people ask hey Ian do you invest most of your money in your retirement accounts or your individual accounts how do you mix it up personally the reason I invest in dividend stocks is to have the opportunity to tap into my stream of income at any time if I wanted tomorrow to start paying bills with dividends I could do that and I take this seriously and for that reason I tend to skew towards those individual accounts that are just not tax advantage just normal accounts with a broker that are not tax advantage although everyone knows there’s these tax advantage accounts out there like the 401k like the Roth IRA and I want to talk about those for a minute so with the Roth IRA or Roth style accounts I love these accounts if one is going to look at a tax advantaged account the beauty of those types of accounts is one pays taxes on all the money that is going to go into those accounts before it ever goes in so when earnest money pay his taxes on it then they put it in the Roth account at that time the money can grow over time in the Roth account both through capital gains through trading through dividends through interest on on bonds on whatever kind of investment one wants to hold there’s no further tax paid and then one with when one withdraws it at retirement age they can just go and use that money I love that and I think that’s a wonderful strategy for someone who unlike me may be willing to wait until they’re of a retirement age to start tapping into their in my case however like I said I don’t want to wait that long I just want to be able to tap into my money immediately and for that reason I tend to skew towards non retirement accounts. But anyways that’s those are Roth accounts and it’s worth mentioning here. Because if one is looking at a long term playbook and one doesn’t want to retire early one doesn’t want to live off of cash flow early whether one has a dividend strategy or growth stock strategy one can participate in this this Roth account and minimize taxes big time and I’ll tell you why I like Roth accounts through counter example ok 401k many big employers offer a 401k these are really cool. Because oftentimes employers offer a match and it’s free money. Because they’ll dollar for dollar match up to a certain limit I love that and. I think that often times 401ks are great at minimizing taxes in the short run. Because pre-tax money goes in there basically money that one earns it just goes into the 401k and that’s before paying taxes on it someone doesn’t have to pay taxes at the time it goes in and so one has more money working for them in the short run compounding all tax-free compounding compounding. But when retirement age comes and one has to withdraw money from the 401k that’s when one is going to pay taxes and here’s the deal let’s say your retirement is 20 or 30 years out let’s buy raise of hands here or comments below do you think taxes are going to be higher in 20 or 30 years or lower personally and this is this is by the way I’m not going to take credit for this this is something one of my my CPA friends tax professionals brought up and I just think is really eye-opening is the problem with the 401k is if one looks at the future the future of our country and look the Medicare it’s there’s already just 3.8 percent surcharge on to pay for Obama care. But the fact of the matter is is that’s not enough if one looks at the amount of money that’s going to be paid out from Medicare over the next 20-30 years I once heard a statistic that it’s it’s I was actually two health insurance princesses statistic I heard that amount of money that’s going to be paid out by Medicare is going to be more than the tax revenue that has been generated in the entire history of the United States and so taxes in my opinion are probably going to go up over time and so the downside of a 401 K is money can go in pre-tax can minimize short-term taxes and it’s a cool thing. Because of the employer match and. Because the money can grow tax-free. But the two cons are if one needs their money. Now like me wants the opportunity to live off of dividends or their investments. Now certainly one would have to wait until until retirement age so that’s con number one same con that existed by the way with a Roth account. But the con with the 401 K that does not exist with Roth is. Yeah, the pre-tax money goes in. But when it’s time to withdraw boy it’s it’s quite likely that the tax rates at that point are going to be higher and they could be very high and so the way I look at my personal playbook at least is is that scares me a bit and so just something worth noting what else international. So this this article would not be complete my my tax article without talking about international companies as well. So. I get a lot of questions here hey Ian do you invest in international companies yes I do and I have recently described one of them in one of my recent articles it was a uk-based stock that is traded as an ADR American depository receipt on the US stock exchanges and what’s great about uk-based stocks is the UK us have great relationship and a tax treaty and so when dividends are paid internationally on a uk-based firm such as the one I own there’s no foreign withholding let’s contrast that. So if one owns a stock based out of the u.s. owns a stock in Canada for example and I owned one of these actually again it’s an ADR it’s traded on the US stock exchange is an ADR but. Because it’s a Canadian company and the u.s. actually they do have some kind of treaty with Canada. But not as favorable as with the UK I have what’s called a foreign tax withholding so my dividends that I earn from my Canadian company they are at time of payment of the dividend a portion of it is withheld from Canada from the Canadian government and it’s what’s withheld it I think it’s roughly 25 percent I’m not positive on this number by the way actually I didn’t take time to look back at my and my taxes for this. But this is. Something I picked up on the internet. But another number was saying 15. But basically there’s that there’s that foreign tax withholding and you don’t have to worry about what the number is it’s automatically going to be withheld the good thing though about this is at the time that one completes their tax return there’s what’s called a foreign tax credit so there’s 25 percent my of my dividend income that was withheld I can claim it back as a tax credit on my tax return and so basically. I get the money back. But it only comes back at time of taxes and. So if one invests in a lot of international companies it’s going to be important to understand what the withholding rates are by country and and to take great records than to keep good records so that when tax time does come back to make sure to take advantage of that foreign tax credits that one can claim on their taxes. So what else. before I leave today I want to talk about one last concept I picked up over the years on on taxes and this is one that applies to dividend stocks growth stocks any type of investment there’s what’s known as a capital loss. So if you buy let’s say Bitcoin this happened in Reverse I bought let’s say I bought like sometime early 2018 when it was or late 2017 when it was at its peak and. Now I’m selling at 7,000. So I lose half or more of my money it happens people out there lose money I’ve lost money on stocks before if you buy high and sell low you’re in the loose money and that’s called a loss and so there’s two types of losses there’s a short term loss and a long term loss what happens is if someone loses money basically the tax code will allow on a year-by-year basis to take up to three thousand dollars of those losses and use them against gains if one is booking gains by buying low and selling high and if one doesn’t use all their losses they can carry over into future years and. So this does not affect me as much just. Because I don’t buy a low sell high bitcoin was a complete a nominal anomaly I do it from time to time if there’s an opportunity to earn something like three hundred plus percent in a short amount of time it’s rare that I’ll do it. But it’s worth noting just. Because I want this article to be comprehensive for people who invest in growth stocks dividend stocks if one buys low sells high and books gains one can wrote can cross out some of those gains by taking losses against them as well if one has losses that are carrying forward from prior years or even from the current year and the way it works is one will have a bucket on their taxes of short-term losses and long-term losses and you’ll use short-term losses against short-term gains long-term losses against long-term gains. But once you’ve wiped them all out let’s say you have some long-term gains you’ve wiped out all your long-term losses. But you still some short-term losses my understanding is they’ll let you use the short-term losses against the long-term gains at that point – to wipe some of them out and to reduce the tax bill so boy more complex article here then then you guys are probably used to. But I hope you enjoyed it I know this comes by popular request there’s a lot in here I think it’s important to understand all of this certainly I want to add an important disclaimer today that I am NOT a tax advisor this is not tax advice taxes are very complex I may or may not be making some mistakes even in my presentation today and so it’s important to to go out and speak with a licensed tax advisor about these types of topics before making any decisions as it pertains to your taxes so before I leave today I just want to add a full disclosure I am long I own McDonalds company in my portfolio ticker symbol MCD I own that one and also just a disclaimer to these articles not investment advice I’m not a licensed investment advisor is not tax advice I’m not license tax advisor this is just for your fun and entertainment and before you go out and invest money in the stock market please consult a licensed financial advisor before you go out and do anything with your taxes please consult a licensed tax advisor first I want to take this opportunity to really thank you I thank everyone out there for the support if you enjoyed the article today I would love to hear what you think please put it in the comments below if you what do you think do you do you like growth stocks dividend stocks do you think dividend stocks are tax efficient like me it seems like most people out there when I say that I think they’re tax efficient they they completely disagree so I’d love to hear what you think and let’s let’s keep this community strong and let’s keep the the great debates and conversations going on in the comments it’s really fun to to watch them to participate in them and it means the world to me I will see you in the next dividend investing article.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

Investing THE MOST PROFITABLE ETFs ON STASH INVEST!

what’s up ladies and gents welcome back to the tech crack house thank you so much for joining me today I hope that I can teach you something if I do feel free to leave like share subscribe do like itself anyway folks I’m going to go ahead and get right into the article. Because today I’m going to be actually sharing with you pretty much the best performing ETFs on stash invest alright. So if you’re interested investing on stash. You know. I won’t fault you for that it’s a pretty decent app and if you want to use it fantastic go ahead alright. But you do want to be careful about what you invest in on stash certain investments are definitely better than others. But. You know. if you want to explore feel free. But if you want to do decently or have high-performing EGS check these out. Now these aren’t. You know. my word is. In fact, I did my research and look through all these pretty carefully. But also my screen recorder is like off let me kind of boo this while it’s live no I can’t hold on a second I gotta fix this okay. All right, there we go. Okay, I apologize for that anyway it’s a minor mistake I think so I’m going to run through these really quick and basically talk about why they’re good and show you some of the performance overviews and hopefully that kind of convinces you. Now if you are interested in these I’ll basically give you the tickers also not basically I will give you I’m trying to stop saying basically I’ll give you the tickers on Robin Hood or whatever. So you can invest in these and these ETFs elsewhere aside from stash invest if you so choose. But starting with stash I’m actually going to go ahead and get right into the the down-and-dirty here I guess so. Yeah, anyway first we have American innovators here great ETF. All right, if it will just hurry up and load would be fantastic. All right, there we go so as you can see here I’m currently up 2.2 percent honest I haven’t been invested in this NS ETF for long so that’s kind of like. Something I should ignore overview though. Okay, overview is pretty good you can see the holdings and all that performance. Okay, the total here today return is 19 with 42% which is really quite good. So this is one of the higher one on the list. Okay, nineteen point two four two percent is even higher than it was when I first created this list of the best performing ets on statch inves so it’s really doing a pretty good job at performing honestly pretty well so that’s American innovators the ticker for this one is actually VG t VG T alright. So I will try to put these in the description also next moving on here with social media mania performance overall here is thirty four point seven four percent before the year so far, which is honestly quite good also that’s a great return attracts social media stocks I believe such as Tencent Holdings which is a big social media group and China’s a conglomerate I believe facebook twitter twitter twitter you got to pronounce it like that Twitter you can’t just say Twitter like a normal American you have to say Twitter anyway enough of that so the performance is honestly quite good as you can see only three percent ash community owns it for some odd reason. You know. the ticker for this one is actually SOC L so 30 percent performance honestly very good performance overall moving right along here we have robots rising as you can see here it’s based around robotics although not like it it centers around many different robotic companies not just like one or two so anyway overview here you can see iRobot Raven industries daifuku Intuitive Surgical of cans cog neck so basically many of the big robotics names there yes Kawa disco electric group performance here is up 22 percent for the year so far, so it’s honestly a pretty good performer and it is a bit riskier I won’t deny that. But it’s honestly pretty good overall. So if you can see who owns it here four percent of stache community owns it and this is a problem that I have with stache alright stache really gets you to invest based on cool ETF titles do people want to invest in robots rising or social media mania. You know. one sounds so sweet and one sounds so bland. But one is performing better than the other one so anyway folks forget I said that. All right, the ticker for this one is our OBO if you want to find it on Robin Hood next we actually have Internet Titans last. But not least ya the ticker for this one is FD n and I believe that the performance is up 22 percent for the year so far, even higher than it was when I created this article so or it created the concept for this article when I wrote the concept for this article it was at 18% return for the year so it’s current even since then you can see the risk levels moderate once again top holdings Amazon Facebook Netflix alphabet bank PayPal alphabet and Class C. Okay, so we get Class A Class C Salesforce com eBay Expedia Citrix all the good names in an Internet Titans there so anyway folks I think that’s going to wrap this article up I just want to make some some some kind of detailed kind of a detailed rundown on that sort of thing. So I hope that helps if you are investing with – good luck to you if you wanna buy these on Robin Hood or any other investment platform you can do that so anyway folks thank you so much for watching once again keep wearing here at the tech crack house have a good one and on you if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents – you all in the next article this has been Mike signing off ah.

Posted in Making Money Online, Passive Income Ideas | Leave a comment

Investing Tesla Vs. Every Major Car Manufacturer Who Wins

who’s up ladies and gentlemen welcome back to the good old tech crankin so first things first Tesla is actually talking about releasing I believe it’s an automated electrically powered of course. Because it’s Tesla semi-truck on the 26th of October 2017 or teasing it or something like that I think it’s 26th of October which is in my opinion extremely exciting um electric semi trucks could really make a huge difference in the automotive and transportation industry I don’t want them to be really automated too much. Because. You know. I think that semi truck drivers deserve to work and they’re an extremely hard-working bunch of people if you don’t care about so my truck drivers then that’s fine. But at the same time. You know. I do think that they deserve jobs so that’s Tesla. But anyway that’s aside the point of this article so looking at this portfolio here we just have Tesla in it. Okay, it’s just a pie with Tesla that’s it 100% Tesla just a solid loop I’m not gonna say that any more times I would actually I’m going to be running experiment. Okay, where I compare Tesla a portfolio of entirely Tesla. Okay, only Tesla in this portfolio with another portfolio that contains it’s not this one I’m sorry it’s not that one either that’s Tesla that contains all of the big car manufacturers that are actually tradable on the essentially the the mainstream in the United States stock markets so we’re gonna be comparing Ford Thor Toyota Honda General Motors and Ferrari all with Tesla so it’s going to be all of them competing together. You know. competing against Tesla which is kind of like the underdog. But while it’s an underdog it’s kind of an automotive giant right. Now Tesla is I think really on the cutting edge of technology their business model is relatively intelligent however they aren’t really able to produce as many cars as I think they would like to be they might remedy that with the gigafactory. But in terms of quality control I’ve seen a lot of Tesla’s where their roofs leak their tailgates don’t close correctly where doors don’t align properly so their quality control I don’t think personally. I personally don’t think can compete with the car manufacturers that I have listed here like GM for example Ford Thor Toyota etc they have a level of fit and finish which is impressive to say the least they’ve really refined that over the years and. You know. even as car companies themselves as businesses they’re pretty solid and they stand a pretty firm if we look at the details for this here we can see that the average return over the past year or the year today performance for this portfolio is twelve point five five percent which is not incredibly impressive. But at the same time it’s steadfast. Okay, the past one year thirty percent which is actually quite good if we look at Tesla once again you can see that the I’m so gonna go back I go to the details you can see that the performance for Tesla for the year-to-date is fifty nine percent the year the one your performance is eighty six percent so looking at this here Tesla has the competitive edge when it comes to growth. Because they’re a slightly newer company they’re they’re kind of cutting edge like I said they appeal to a certain audience so they have the opportunity really to enter into the market in an explosive manner and that means that their stock could skyrocket as we’ve seen the other car manufacturers have been around for a while so they’re more stable and dependent the Tesla portfolio here has no dividend yield the other one which lay back out once again and go to it has a dividend yield of roughly two percent. So, you know. a pretty evenly healed portfolio is what I see here with Tesla I don’t entirely know what their performance is going to look at and I don’t think you can blame me for that. Because I don’t think anyone really does so it’ll be an interesting comparison I’ll probably put about 300 to 500 dollars into both of these maybe a little maybe a little bit less depending on why I decided on doing. But I think it’ll be very interesting to see and honestly. Yeah, so stick around for more content folks thank you so much for watching keep right here in the tech crack fantastic and I use if you enjoyed this content from the tech crack house feel free to leave a like share subscribe if you wish to support us monthly feel free to check out our patreon page until next time ladies and gents see you all in the next article this has been Mike signing off.

Posted in Making Money Online, Passive Income Ideas | Leave a comment