Dividend Stocks

Some people believe that the stock market is a zero-sum game. They argue that when an investor buys shares, there’s always a seller on the other end. That’s true, but they fail to factor in dividends. When a company returns capital to investors, it’s no longer a zero-sum game. That’s one reason buying dividend stocks is such a powerful strategy.Article Source
This guide shows you the ins-and-outs of dividend investing. You’ll also find our top articles on the subject above… and below, our most recent articles.

Why Invest in Dividend Stocks?

Dividend investing is great way to boost your income. The strategy is a passive approach that’s easy to start. When you buy great dividend companies, you add a steady stream of income to your portfolio.

1. Steady Income

Most dividend companies pay their shareholders quarterly. So investors who build a portfolio of such stocks collect steady income. Spacing out the payment dates can help you meet your expenses throughout the year. This consistency also makes it a popular strategy for retirement. You can replace your work income with dividend income.

2. Lower Taxes on Qualified Dividends

The qualified dividend tax rate tops out at 20%. That’s much lower than the top individual tax rate of 39.6%. In addition, if you bring in only dividend income, you can collect up to $38,600 and not have to pay any federal income taxes. Taxes eat away at returns, and this is a great way to pay Uncle Sam less.

3. Diversification

Investing is powerful, but don’t put all of your eggs in one basket. With dividend investing, you can add stocks to your portfolio that operate in different industries from around the globe across the Dow Jones, the S&P 500, NASDAQ and more. You can find Dividend Aristocrats that operate in sectors such as… industrials, healthcare, energy, consumer staples and many other areas. If one industry is struggling, your others can help make up any short-term losses.

Compound Your Wealth

Compound interest is one of the most powerful forces for growing your wealth – especially if you own dividend growth stocks.
For example, let’s say you buy $2,000 worth of stock at $50 per share and the yield is 4%. Additionally, we’ll assume the dividend increases 8% per year and the stock rises in line with the historical market average.
If you reinvest the dividend, you’d automatically buy more shares with your payment. Because you’d have more shares, you’d receive more income, which would buy more shares, which would generate more income…
After 10 years, you would have 59.5 shares of stock – 50% more than your original 40 shares. Your $2,000 investment would now be worth $6,215 – more than triple your initial investment. And your yield would be 12% on your original investment.

If you didn’t reinvest, your $2,000 investment would still be worth a respectable $3,882. But that’s $2,300 less than the amount you’d have if you had reinvested that money.
Dividend reinvestment is a great way to supercharge your stock returns. It’s an automated process, and your returns compound the longer you wait.

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⏰ Best Monthly Dividend Stocks To Invest In 2020 ⏰

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Invest Intelligently: 6 Tips for Buying Stocks

The thought of investing your retirement money or any hard-earned money in stocks can be scary and daunting. You’ll constantly think about losing out or watch the charts if they decrease. Article Source

However, stock markets are still helping multiple Americans make money. It also doesn’t take a lot to get started in the right direction. You only need the right tips for buying stocks to help you do it right.

Here are 6 tips that will help you take advantage of what the stock market has to offer.

1. Evaluate Your Financial Situation

It’s important to assess your current financial status to know if you have enough funds for your investment. If possible, start investing when you have little or no debt and at least money to cover your expenses for a while.

This will eliminate the pressure and worry, which may lead to investing in short-term trades. It will also give you the flexibility to purchase more at a time and try out different strategies.

2. Think Long Term

You definitely have to decide what you want to accomplish by learning tips for buying stocks. It may be buying a home, accumulating your college fee, or topping up your retirement fund.

It’s important to know at what point you’ll need your money. If you’ll need the funds in a few years, consider finding a different investment.

Stocks provide significant returns when left for many years. Yet in the short run, they can be very volatile and can lose value. This is why it’s advisable to leave your stocks in the market for more than five years -the longer, the better.

The growth of your stock depends on the following:

• The size of your capital

• The net annual earnings of your capital

• The number of years of your investment

3. Take Advantage of the Compound Interest

You’ve probably seen the point on investing stock for years for better results on all tips for buying stocks. Understanding the concept of compound interest will make it a bit clearer for you.

Here’s an example:

If you invest $2000 and your return is 8% per annum, your money will have accumulated to $2160 by the end of year one.

In the second year, your capital will no longer be $2000 but $2160. This means by the end of the second year your money will grow with $172.80 instead of $160, accumulating your total to $2332.80

This may not be a significant change in the first years, but as the years pass and your capital grows, your investments grow to something substantial.

4. Build up Positions Slowly

Most successful stock investors buy stocks with the hope of reaping benefits through dividends and share price appreciation over decades.

You can also take your time buying as well. Here are tips for buying stocks that will moderate your exposure to price volatility.

Dollar-cost average. This is a strategy where you invest a certain amount of money at regular times. It may be weekly or monthly. The set amount of money buys fewer stocks when the stock market rises, and buy more when the prices go down.

Buy in thirds. This is somewhat similar to dollar-cost average. You set your money into three thirds and invest it at regular intervals. It doesn’t have to be based on time.

You can invest the first third, right before a company releases a new product in the market, and the other third if it’s a hit. If it’s not, you can invest the remaining amount into something different.

Focus on Arbitrage. Learning about stock arbitrage is very beneficial. It’ll help you to identify opportunities that are widely undervalued.

Buy “the basket.” It’s normal to be stuck in multiple companies trying to decide which one you should invest in. If you find yourself in this position, buy them all. By doing this, you won’t be missing out if any of them takes off, and you can use the profits from it to offset any losses you may have.

With time, you’ll know which company is the best and double down your investment in it.

5. Don’t Get Emotional

One mistake investors make is letting their emotions control their investment decisions. Many longtime investors will tell you that one of the most beneficial tips for buying stocks was to not get emotionally involved.

Journaling can help you stay intact during these hard times. Write why you decided to commit to every stock in your portfolio.

Here’s some journal prompt for goal re-focusing examples:

Why I’m buying. Explain what attracted you to a company and the potential you saw in it. Next, state your expectations and metrics that measure the company’s milestones. Lastly, spell out what pitfalls may be temporary, and which one may be a complete game-changer.

What would make me sell? There are viable reasons that may make you split from a company. The reasons shouldn’t relate to the stock’s fluctuation. But something that may influence the growth of the company, such as the withdrawal of a significant client.

6. Learn About the Basics Before Investing

It’s crucial that you understand a few key factors about the stock market before you start buying and selling stocks. Take a look at a few of them below.

Financial metrics and their meaning. Understand the meaning of metrics such as earnings per share (EPS), P/E ratio, compound annual growth rate (CAGR), and return on equity (ROE).

Stock market order types. Know how to differentiate between trailing stop-loss orders, stop market orders, market orders, stop-limit orders, and other types used by investors.

Different types of stock investment accounts. The most common account is a cash account, but sometimes margin accounts are required by regulations for some trades.

Do You Want More Tips for Buying Stocks?

Investing in stocks is a great way to grow your money over the years. It’s important that you ensure you’re ready to commit to your stocks before investing by evaluating your financial status. This reduces the pressure and fear that comes with fluctuating stock prices.

For tips for buying stocks on the market and other financial related topics, check out the rest of our blog

P.S. I would like to hear from you! Please put a comment below about this post, your opinion or suggestion might be valuable to others! I promise to answer every question you may have or a discussion you might want to start!

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OUR STOCK PORTFOLIO UPDATE | Our Dividend Income In Early Retirement (Ep. 9 - October 2019)

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9 Best Stocks to Own for Retirees

Best Stocks To Own For Retirees: Investing in retirement is different than investing in your 20’s. You don’t have as much time to make up for a big loss, so putting your money in a hot new stock becomes less of an opportunity.Article Source
Because of this, many retirees opt to put their money in the lowest risk investments possible, like bonds. The problem is that bonds alone are not going to help you generate retirement income. You need to have some stocks in your investment portfolio so that you are bringing something in. The only question is which ones?
In this article, we are going to look at nine of the best stocks for retirees to own.

Charlie Munger Hearts Costco, Should You?

Costco [NASDAQ: COST] is a membership warehouse retailer. The company charges a membership fee for people to shop its warehouses and its website. It currently has 782 locations around the world, up from 762 at the beginning of September 2018.
Costco provides members with a mixture of national brand products and private label goods – often at a steep discount compared to other retailers. It achieves these cost savings by purchasing in bulk and only minimally handling the merchandise before it is sold.
Whereas many retailers spend time and money on workers to unpack the goods to be sold, label or tag them individual, and move them to a shelf or sales display, Costco effectively brings the crate to the sales floor.
There is no back room, no window dressing, and no frills. This helps the company keep costs low.

Further, Costco buys in limited quantities. Its customer come to know this, so there is a sense of urgency on many purchases.
Inventory turnover is often so fast and the time for those products to reach the sales floor so low, that Costco ends up sells through the product before it was obligated to pay for it.
That sounds like a good place for any retailer to be in, but don’t forget – Costco is a membership warehouse. Worldwide, the company had 53.9 million paying cardholders at the end of FY2019, up from 51.6 million at the end of FY2018 and 49.4 million at the end of FY2017.

Costco does face competition.
Other warehouse clubs like Walmart’s Sam’s Club and big retailers like Walmart or Amazon give the membership warehouse subscription company a run for its money, but Costco has shown strong growth over the years. Plus, it pays a dividend yield. It’s only 0.88%, but it’s something.

Berkshire Hathaway Is A Cash Machine

Berkshire Hathaway [NYSE: BRK.A] is another stock that should be on your radar as a retiree. The famous investor Warren Buffett leads the holding company.
Berkshire Hathaway owns several subsidiaries, with ownership percentages varying between 80 to 100%.
Insurance and reinsurance are a big part of what it does as well as rail transportation for freight and energy distribution.
Berkshire Hathaway is also involved with manufacturing and it owns large stakes in consumer product companies, like Apple, Bank of America, American Express, Coca-Cola, Delta Air Lines, Southwest Airlines, and Wells Fargo.


If Berkshire Hathaway sounds very diverse, it is – but remember, it is also a holding company. The firm is completely decentralized. There are no integrated business functions between the businesses, subsidiaries, and equities it owns – and Berkshire Hathaway does not get involved in the day-to-day management of its investments. Instead, the firm focuses on how capital is allocated and the executive management in place.

As a whole, Berkshire Hathaway has been so successful that Warren Buffett is idolized by the finance world. To this day, Buffett is in charge of almost all the big decisions that Berkshire Hathaway makes along with Charlie Munger, the Vice Chairman of the Board.
The only problem with that is that Buffett is almost 90 and Munger is over 95. While there is a succession plan in place, the holding company could take a serious hit if Buffett or Munger were unavailable or unwilling to work anymore.

Waste Management Owns U.S. Landfills

Waste Management [NYSE: WM] is technically a holding company and among the best stocks to own for retirees.
It owns several subsidiaries. These subsidiaries handle all operations. Collectively, they are the largest waste management services entity in North America.
Waste Management leads the pack in solid waste management. It also boasts the largest network of landfill sites in North America with 252 locations.
In some places Waste Management creates energy from the trash it collects. The company is the leading recycler in North America as well.


Trash collection is a fairly stable business – everyone needs trash collection to a degree – but competition in this space can be very intense.
While Waste Management competes most directly with national waste management companies, it also faces competition from local governments and private sources.
Smaller companies have been consolidating and, in some areas, they are giving Waste Management a run for its money.
Most bids are competitive, so Waste Management could lose out if its bid is even marginally higher than that of a rival company.
Managing costs can be difficult, especially when limitations and legislation on waste management is constantly changing and becoming more expensive. Commodity prices come into play too. As a company, Waste Management has to walk a fine line.

Alphabet (Google) Has A Virtual Monopoly On Search

Alphabet [NASDAQ: GOOGL] is several different businesses wrapped into one. Google is the largest, but it is not the only egg in Alphabet’s basket.
The company is also involved with television, self-driving cars, and access to the internet. Alphabet refers to its other interests as “Other Bets.”

Most of what Alphabet is doing with Google is actually powered by machine learning and its constant companion, AI (artificial intelligence).
This helps Google give better search engine results, recommend videos on YouTube, use Google Assistant, or search Google Photos more efficiently.
For advertisers, which is one of the ways that Google earns money, machine learning enables them to target adds more effectively.
Google does face fierce competition. The big risk isn’t so much that people will stop using Google – it’s that Google will lose to competitors on specific functions. For instance, people could start using social media networks for their queries instead of using an Internet search engine and that rend could compel advertisers to take their marketing dollars elsewhere.
That said, Google is also very popular. Over one billion people use a Google product every month. It could also strike gold with one of its Other Bets.

LabCorp Is Hedged Against Healthcare Reforms

Laboratory Corporation of America [NYSE: LH] is a life sciences company that offers clinical laboratory services through LabCorp Diagnostics and end-to-end drug development through Covance Drug Development.
More commonly referred to as LabCorp, the company tests over 2.5 million specimens every week and participates in clinical trials. Covance has a strong track record.
In 2018, it collaborated on 93% of the novel drugs the FDA approved that year as well as 94% of both novel oncology and novel rare disease drug treatments. Covance has also played a role in developing the top 50 prescription medications on the market today, by sales revenue.

LabCorp and Covance share important synergies. LabCorp has patient insights that it developed through its testing services. Its data sets cover roughly half the population in US and includes over 30 billion lab test results. Covance gathers physician-investigator data in its own right, which helps streamline drug development.
Because of these factors, LabCorp as a whole can enjoy a wide variety of customers and better hedge itself against changes in the healthcare system. Plus, LabCorp is maintaining a strong consumer focus. It now has a testing platform – Pixel by LabCorp – for self-collection as well as an online patient portal.

Amazon Is Much More Than E-Commerce

Amazon [NASDAQ: AMZN] is a household name. You probably already know that the company has a popular online store where it sells things and allows third parties to sell there.
You may also know that Amazon creates a variety of devices, including Kindle e-readers, Echo devices with the Alexa personal assistant built-in, and Fire tablets, and sells a membership called Amazon Prime that provides members with a variety of benefits including free two-day shipping – but these functions only scratch the surface of what Amazon does.

Amazon is also a content creator. It develops video assets for its members as well as the general public and it has a publishing arm that lets people publish their own content, including ebooks, music, film, and apps.
The company also has a web services arm – AWS – that provides storage and database solutions for businesses and governments large and small. Finally, Amazon owns Whole Foods Market.
There is some seasonality to Amazon’s business – approximately one-third of its sales are in the fourth quarter – and it does face competition. In each industry that Amazon participates, it is met with fierce competition.
Generally, these rival firms cannot offer what Amazon does at the same low price, reaching the same geographic regions, and same variety.
However, the advent of the Internet does make comparison shopping easier and there are very low barriers to switching services.
Amazon is under pressure to keep evolving or keep slashing prices. Right now, Amazon is employing a mixture of those techniques to say on top and introducing a range of devices that leverage the content it helps produce.

Procter & Gamble Owns Brands You Use Daily

Procter & Gamble [NYSE: PG] is a company that focuses on daily use products. It manufactures and markets healthcare products like NyQuil and Prilosec as well as oral care (e.g., Crest, Oral-B), fabric care (e.g., Tide, Bounce), baby care (e.g., Pampers), home care (e.g., Dawn, Swiffer), feminine care (e.g., Tampax), hair care (e.g., Pantene), family care (e.g., Charmin), skin care (e.g., Oil of Olay), and grooming, (e.g., Gillette).

A few years ago, PG made the choice to focus its brand portfolio on products that have strong performance as opposed to more competitive pricing and that strategy has paid off with organic growth in the majority of its product use categories.
It also boasts growth that is significantly higher than others in its industry. Going forward, Procter & Gamble has also been looking at fortifying its brand family with careful acquisitions.
The end goal is to create a brand that interacts with consumers in a holistic fashion, creating value and trust in all the products PG sells.

Exxon Mobil Is A Patent Behemoth

Exxon Mobil [NYSE: XOM] ranks among the very best stocks to own for retirees.
It explores for, processes and sells oil and gas products. The company operates as several divisions and hundreds of different affiliates. These entities may be referred to as ExxonMobil as well as Esso, Exxon, Mobil, or XTO.


Competition within the industry is very fierce. Most end users do not care how its oil or gas needs are fulfilled, just that they are. This puts pressure on pricing and technology development. In the latter, ExxonMobil is at the forefront.
The company holds almost 13,000 active patents and earned some $119 million in 2018 by licensing those technologies to other companies.
Cost is a greater risk. Growing concern for the environment is forcing ExxonMobil to change the way it does things and those changes come with a cost.


ExxonMobil also faces risk with regard to supply and demand. Its access to oil and gas resources could be limited or the number of end users using its products could dwindle as more people turn to fossil fuel alternatives.

Disney Is Bigger Than You Think

Disney [NYSE: DIS] of today is more than the company that Walt Disney built. It includes its parks and resorts as well as studio entertainment, media networks (i.e., Disney, ESPN, Freeform, and consumer products.
It recently merged with some of the businesses that had fallen under 21st Century Fox, including Nat Geo and FX as well as its international tv business and its 30% stake in the streaming service Hulu.
Disney also recently launched its own streaming service, Disney+ which allows consumers to stream the movies and shows from Disney, Lucasfilm, Marvel, and Pixar.


Disney has a diverse portfolio of offerings and strong brand. Its focus on family-friendly entertainment is bound to win the company loyal subscribers. Plus, Disney can also license its content for use on other streaming services or sell DVDs of its work.
In many ways, there is an entire ecosystem in place for Disney. People enjoy its movies and characters, then buy toys and other items that feature those characters.
They go to the movies and visit its parks, then they stream content at home or subscribe to a Disney channel through cable. It is a strong value proposition and one that could keep Disney on top for years to come.

Best Stocks To Own For Retirees: Bottom Line

You don’t have to stop investing because you retire, but you should change the way that you do invest. Look towards stocks that are less risky and those that pay dividends. With a few strategic investments, you can generate a little extra money so that your retirement can be that much sweeter.


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5 Best Consumer Staples Stocks to Buy Now for 2020

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Top 20 Consumer Staples Stocks for 2020

Consumer staples stocks generate steady income. By paying dividends (and why not try out our dividend reinvestment calculator while you’re at it), they keep your pockets stuffed through both up and down markets. Rain or shine, it’s an all-weather strategy.Article Source

Below I’ve listed some of the top consumer staples stocks. But before we get to them, let’s take a closer look at what consumer staples are and why they’re a great investment. Then, below the list, I’ll go into detail on how consumer staples can lower your risk and produce healthy returns.

What Are Consumer Staples Stocks?

Consumer staples companies make and sell the basics. For example… shampoo, toothpaste, toilet paper, soft drinks, cigarettes and mouthwash.

No matter what happens in the market, folks buy the basics. If commodity prices jump, the companies in question simply raise their prices… and folks keep buying. It’s a simple and safe business model.
Many of the world’s top investors pour money into these businesses. Warren Buffett holds many staples stocks in his portfolio. And you can easily do the same. Here’s a good list to start your investment research.

20 Consumer Staples Dividend Stocks for 2020

CompanyTickerDividend YieldWalmartNYSE: WMT1.8%Procter & GambleNYSE: PG2.4%Coca-ColaNYSE: KO3.0%Philip Morris InternationalNYSE: PM5.5%CVSNYSE: CVS2.7%PepsiCoNasdaq: PEP2.8%Colgate-PalmoliveNYSE: CL2.5%Walgreens Boots AllianceNasdaq: WBA3.2%Anheuser-Busch InBevNYSE: BUD2.5%MondelezNasdaq: MDLZ2.1%AltriaNYSE: MO6.6%Kimberly-ClarkNYSE: KMB3.1%General MillsNYSE: GIS3.7%Tyson FoodsNYSE: TSN1.9%Archer Daniels MidlandNYSE: ADM3.1%KrogerNYSE: KR2.2%Kraft HeinzNasdaq: KHC5.0%CloroxNYSE: CLX2.8%KelloggNYSE: K3.4%Hormel FoodsNYSE: HRL2.1%

How Consumer Staples Stocks Lower Risk

Staples stocks tend to be less volatile than the broader market. When “regular” stocks drop 10%, staples stocks tend to drop less. They have a low beta, which is used to measure volatility compared with the S&P 500.
The Consumer Staples Sector Index beta is 0.63, and the S&P 500’s is 1.0. As a result, these kinds of stocks tend to make smaller moves. During a down market, they can protect your portfolio. Let’s look at how this works in the market…
During the past five downturns, staples stocks have outperformed the S&P 500 every single time.
Down YearS&P 500Staples StocksOutperform?1990-3.22%14.96%✓2000-9.03%16.46%✓2001-11.85%-6.45%✓2002-21.96%-4.02%✓2008-36.55%-15.22%✓Average:-16.52%+1.15%✓

Down years can devastate your portfolio. But consumer staples stocks can actually hand you gains, or at least substantially limit your losses, when the market heads south. Investing in just a few of the top 20 can do wonders.
These stocks tend to be less volatile… and their benefits don’t stop there. They’re also a stable source of income that can generate large capital gains along the way.

Steady Income and Great Upside

Big consumer staples companies generate a lot of cash… so much that they can’t reinvest it all wisely. So instead of letting it pile up, businesses return that money to shareholders through dividends.
And the top consumer staples companies have a history of returning more each year. They’re dividend growers.
Take the two well-known businesses below, for example…

Walmart

From 1995 to 2015, Walmart (NYSE: WMT) raised its dividend every year. And at the start of 1995, you could have bought one share for $12. Walmart was paying a $0.10 annual dividend back then… roughly a 1% yield.
Over the next 20 years, the company gradually raised that payout to $1.96… paying out a total of $16.51 per share in dividends over that period. That’s more than the stock price in 1995.
The returns from the dividend alone are worth it. But Walmart’s share price climbed too, giving investors capital gains of 451% over that two-decade period. If you include the dividend, the total return jumps to about 599%.
And if shareholders reinvested that payout each time, their return would increase to 638%. That’s outstanding for a consumer staples stock.

Procter & Gamble

From 1995 to 2015, Procter & Gamble (NYSE: PG) raised its dividend every year. And at the start of 1995, you could have bought one Procter & Gamble share for $16. At that time, it paid a $0.37 annual dividend… roughly a 2% yield.
Over the next 20 years, the company raised that distribution to $2.63, paying out a total of $26.70 per share in dividends. And the new yield, based on the initial $16, climbed to an incredible 16% yield.
Once again, the dividend returns all by themselves make this a worthwhile play. But Procter & Gamble’s share price climbed too. Over this two-decade period, investors made 283% in capital gains. So altogether, their total return jumped to about 417%.
If shareholders reinvested each dividend, the total return would be 510%. That’s the power of compounding your returns with consumer staples stocks.

Final Thoughts on Staples Stocks

The companies above are some of the biggest players in their industries. They’re stable and keep returning value to their owners.
Take the hint from great investors like Warren Buffett. Invest in stable businesses that keep paying dividends.
And remember: If you want to amplify your returns, reinvest those dividends. Most brokers allow you to automatically do this free of charge through a dividend reinvestment program, or DRIP.
Consumer staples stocks are a great addition to any portfolio. They can lower risk and provide great returns. If you don’t already own a few, you might want to consider adding some to your portfolio soon.
To find more investing opportunities, sign up for our free e-letter below. It’s packed with useful information from investing experts.

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Best Artificial Intelligence Stocks for 2020 and Beyond!

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Artificial Intelligence Stocks to Watch in 2020

Artificial intelligence stocks (AI stocks) represent one of the most exciting and potentially lucrative industries to invest in going into 2020. In fact, artificial intelligence stocks have the potential to be some of the best performing tech stocks of the next decade along with technologies like the internet of things, 5G technology, and more.Article Source
Artificial intelligence is a technology that enables machines to complete tasks that generally require the type of natural intelligence possessed by human beings. As a result, AI tech allows computers to analyze highly complex data, gain insight from such data, and then use it to make predictions and optimize systems for performance.
AI isn’t merely one technology but rather a group of technologies that enable machines to mimic human thinking. Some of these technologies include Machine Learning (MI), Natural Language Processing (NLP), Predictive Analysis, Image Recognition, and Robotics.

The artificial intelligence market was valued at $23.94 billion in 2018. It is expected to grow to $208.49 billion by 2025, a compound annual growth rate (CAGR) of 36.2%.
The technology is already promising to transform everything from automobiles to healthcare to online advertising. This creates many opportunities to invest in companies that are leveraging AI for their own businesses. Here’s a list of some of our favorites.

The Top AI Stocks to Watch for the Coming Year

1. Alphabet Inc. (Nasdaq: GOOG)
   Sundar Pinchai, the CEO of Google, has called the search engine gargantuan an “AI first” company repeatedly. And he isn’t kidding.Google made the most acquisitions in artificial intelligence technology of any of its competitors since 2012. They have acquired twenty investments overall, including a purchase of predictive analytics platform Kaggle. They’ve also acquired the British DeepMind project. Google uses the technology with Gmail, Maps, its cloud system, Photos, its Home device, and more. They are also poised to become a top player in autonomous vehicles, which rely heavily on AI.Shares of Google have been climbing steadily since June and are currently trading around $1,300. They boast a robust PE ratio of about 28 and an EPS of about $46.
   .
   
2. Nvidia Corporation (Nasdaq: NVDA)
   Nvidia, based in Santa Clara, CA, is a gaming technology company that has long been a leader in the AI space. But it is now far from just a gaming company.It’s graphics processing unit (GPU) chip technology powers much of the gaming industry but also self-driving cars, cloud computing, big data, and more. These GPU chips are able to process massive amounts of data. As they tell it, NVIDIA has evolved the GPU into, “a computer brain at the exciting intersection of virtual reality, high performance computing, and artificial intelligence.”
   
   Like Google, NVIDIA stock has been climbing steadily since June but trades around a much more affordable $210 per share right now. However, its PE ratio is about 47 based on its earnings per share of $4.43.
   . .
   
3. Microsoft Corporation (Nasdaq: MSFT)
   Bill Gates’s technology empire currently has 8,000 employees working on Artificial Intelligence products. And one of the products they are working on is direct competition for both Google and NVIDIA: a new AI chip for the cloud that competes with NVIDIA’s GPU and Google’s tensor processing unit.
   
   These chips are able to make intelligent predictions based on complex data patterns and can unlock key insights. Microsoft has used this technology to develop products across a variety of sectors and industries including human language technologies, precision medicine, assistive robotics, medical imaging readers, genomics and the consumer-facing platform Cortana.Microsoft CEO Satya Nadella seeks to democratize the AI landscape across even more industries such as education and manufacturing. That philosophy is behind the company’s acquisition of the Canadian company Maluuba.Perhaps the most exciting project at Microsoft is their attempt to create the first Artificial General Intelligence (AGI) technology. Such technology is special in that it can do virtually anything that human intelligence can do and is not limited to specialized niches of thought. The moneymaking power of such a project – if it is successful – is virtually infinite.
   .
4. Amazon.com, Inc. (Nasdaq: AMZN)
   If you’ve ever shopped at Amazon.com – and let’s be honest everyone has including you – you’ve seen their artificial intelligence program in action. All of those personalized product recommendations that have you reaching back into your wallet are created with intelligent technology. Everyone’s good friend Alexa also leverages AI.
   
   But Amazon’s use of the technology is not limited to their storied e-commerce platform. Now Amazon is using partnerships with major players like JP Morgan and Berkshire Hathaway to deliver the technology to even more spaces like healthcare.And Amazon Web Services (AWS) is also a major profit engine for the tech giant making making significant use of computer brains. Powering the cloud computing services of AWS, Amazon’s technology offers everything from speech translation to image and even facial recognition capabilities. Amazon currently has around 360 AI jobs posted around the United States. That is nearly certain to grow in the coming years.

Other Artificial Intelligence Stocks of Note

• Intel (Nasdaq: INTC) – Helping self-driving cars prevent collisions is one way this blue-chip semiconductor legend is playing the AI game. But it’s not the only way. In addition to its Mobileye division, Intel manufactures visual processing units that allow smart cameras to perform tasks such as facial recognition and counting crowds.Microsoft is also leveraging Intel’s technology. Intel’s field-programmable gate arrays run deep learning on Microsoft’s cloud. Keep this in mind if you invest in both Intel and Microsoft at the same time as it exposes you to more company exposure than you might have anticipated.
  .
• Twilio (NYSE: TWLO) – Twilio is a cloud software company whose Application Programming Interfaces (APIs) enable software developers to build various features into apps including messaging, voice, and video capabilities. This omnichannel customer engagement platform can be a fit for any size organization, so its field of potential business and enterprise customers is vast.
  .
• Tencent Holdings (OTC: TCEHY)This Chinese firm is that country’s largest social media player. They invented the omnipresent (in China) WeChat app, and have recently invested in building a major AI lab in Seattle, Washington. The aim of the lab is to expand upon the company’s virtual assistant and voice-to-text product offerings.Other capabilities offered by the company’s stake in AI include smart news aggregators, facial recognition tech, and natural language processing devices. Tencent Holding is also investing intelligently in AI people, stealing away top talent from rivals like Microsoft and Baidu.

Best of the Rest

• Facebook, Inc. (Nasdaq: FB) – Mark Zuckerberg’s social media empire – love it or hate it – is deeply committed to developing machine learning technologies. Using AI to detect and filter out hate speech and fake news is one of many abilities Facebook is pursuing to continuously improve its ever-popular platform.
• Baidu, Inc. (Nasdaq: BIDU) – Baidu is, quite simply, the Google of China. The search engine giant has made a heavy investment in artificial intelligence to help improve both their search engine results and the ads they serve up. It’s also a major player in the self driving automobile market.
• Match Group, Inc. (Nasdaq: MTCH) – And finally, in case you are still seeking an artificial intelligence stock to swipe right on, Match Group is using artificial intelligence on its popular “casual” dating app Tinder. Its new “Super Likable” feature is powered by machine learning technology. So, if you want an alternative way to play Artificial Intelligence stocks, make a hot date with your stock broker and pick up some shares of Match.

– Brian M. Reiser,
Investment U Contributing Writer


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THE REALEST FINANCIAL ADVICE I WISH SOMEONE TOLD ME �� | DamonAndJo

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When to invest in real estate? Five questions for landlords

There is plenty of information out there offering advice on whether and when someone should rent or own. But what about for an investor? Article Source

Turns out the approach with each is vastly different.

Although there are obvious factors to consider for a would-be resident (such as living expenses, location, and market value, et al), a separate set of criteria exists for future landlords. Here are five critical questions a home investor should ask going into the process:

1) What is the investment objective?


Simply enough, what kind of returns are you expecting? It’s easy to make a decision based on cash flow. The key is to have very clear monthly profit goals (an ideal minimum monthly net return is 7-8% on invested capital ), as opposed to if and how much the value of the home appreciates over time.

It’s also important to not think of yourself living in the house. Considering this, don’t get carried away by the market trends, the traffic situation, or even what the school system is like. It may not be where you want to live, but can it make you money? When purchases are based on an emotional decision is when investors start losing money. Instead, just look at the bottom-line numbers of what’s coming in and going out.

2) Do I have enough cash in hand?


Since investment properties are higher risk, be prepared to fork over a higher down payment. Banks will typically ask for at least 20-25 percent of the total value of the home. Make sure to get a prequalification.

Owning a property is like owning a small business. Therefore, get into the habit of setting aside 5-10% of the monthly rental income for property management and maintenance costs and putting the rest away and forgetting about it.

Considering this, it’s highly encouraged that every property gets a full inspection before purchase and new investors stay away from fixer-uppers at first. The numbers may all check out on paper, but then discover the house will soon need a new $15,000 roof or $6,000 air conditioner. That’s when you either need to be willing to walk away or go back and renegotiate.

3) Did I consider all expenses?



The biggest mistake first-time landlords will make is overlooking the amount of income the property will generate. Property investments shouldn’t be taking money out of your pocket every month. Therefore, take inventory of any other anticipated ongoing expenses.

Maintenance fees will vary depending on the age and condition of the home. Some communities, especially condos, will cover certain external issues, so make sure you’re well versed with the guidelines. Some properties will require HOA as well as Community Development District dues, too. Other factors include principal & interest, taxes, insurance, marketing expenses to list the property, management fees and anticipated gaps in occupancy.

4) Do I understand the risks?



Being a landlord is not for everyone. If you don’t like some stress and unexpected occurrences, consider investing in something else. But for those who don’t get rattled easily, it can be a reliable and steady source of residual income for years to come.

One huge way to make your life easier is finding the right renters. Nothing is better than a drama-free tenant who stays for years and pays on time. Make sure you do proper credit and background checks, and, if possible, make it a point to connect in person before finalizing any lease agreement. Anyone who is rushing you or attempting to make special provisions is usually a giant red flag.

5) Am I willing to be patient?



At the end of the day, it’s all about the money. If the numbers don’t add up, nothing else matters. Create an ROI worksheet and let the bottom line dictate your decision. If it checks out, go for it. Start small to get a feel for it. Be willing and able to play the long game and grow as you go.

The reality is that any time is good to invest in real estate as long as everything is lined up and the numbers meet your investment objective.


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Realtor.com Predicts Real Estate Market Crash 2020

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U.S. Real Estate Predictions for 2020

If one wanted to be really cute about it, they could sum up 2020 real estate predictions in just a handful of words, which would be as follows. Low interest rates, tight inventory of housing stock and the continued digitization of real estate transactions.

Digitization
According to Sean Hundtofte, chief economist for online mortgage lender Better.com, "In 2020, we'll continue to see Millennials growing their share of the mortgage market, which in turn, will serve as a catalyst to lenders to continue to rapidly innovate their technology offerings to meet the expectations of an audience more accustomed to an Amazon, Venmo-like experience." Although Mr. Hundtofte is adapt to point out the importance of technology, he misses the point in thinking that companies orientate their technology to please a certain generational group, when in fact the driver of technology is to optimize a company's resources for the purposes of pleasing Wall Street expectations, not Android obsessed consumers who are concerned more about their latte's then other substantive matters in life.

Tight Inventory
As Daryl Fairweather, chief economist for real estate brokerage Redfin, explains, "Right now we aren't seeing a ton of new listings. Without more listings coming on the market, there will be more competition starting off in early 2020 and that will lead to more price pressure." And what this will mean, is that more pressure leads to less inventory moving, which leads to tighter inventory. Great if you're a homeowner and you're sitting on top of a ton of equity, not so good if you're looking to buy a home but get stuck on the sidelines without much to pick from. Always a bridesmaid and never a bride? Not a good place to be if you're sincerely looking to buy a home and you're unable to purchase at your preferred price point, and/or you have to compromise on the neighborhood you'd like to live in, but cannot given the lack of movement in the housing market.

Interest Rates
This will be real quick. Most economists predict 2020 to hover in the 3.7% to 3.9% range for a 30-year mortgage, while some of the more bullish economists expect the rate to go even lower, perhaps in the 3.5% to 3.6% sub range. That's at least what the pencil pushing PhD's at Fannie Mae are saying during their water-cooler breaks in Washington, DC. This is good news for everyone, since lower rates will buy you more house then you could have bought just a year ago - assuming prices haven't risen as much. If they have, then that means you're a dollar short, a day late.

Article Source: http://EzineArticles.com/10235369


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Top 5 Trading Tools For Free

      

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Forex No Deposit Bonus: 7 Forex Trading Tips for Beginners

Once you have done your basic research, you may want to start investing in the Forex market. In the beginning, you may be overwhelmed by different tools, strategies and options that are available. However, the good news is that you can follow the tips given below to get started.

1. Research Brokers

First of all, you should know that there is a central marketplace for Forex traders. Therefore, you may want to work with a Forex Broker so you don't make some very common mistakes.

How can you find out if the broker you want to work with is reputable? For this, you can check the status of the broker with NFA, which is the National Futures Association.

2. Start a Demo Account

You can register for a demo account with a brokerage and trade with virtual money to practice your skills. Since you are not going to invest real money, there will be no risk at all. And you will be able to test the services of the broker. Besides, you can test your skills as well.

3. Know about Commissions and Spreads

Spreads and commissions are two ways for brokers to make money. If you pay commission to a broker, you will fork over part of the spread, which is the difference between the ask and bid price of the currency pair.

Some Forex brokers use wider spreads to make money and don't charge commissions. You may want to ask the broker about how these fees can have an impact on your earnings with the passage of time.

4. Find out about Different types of Accounts

There are different types of accounts to choose from, such as micro, mini or standard. You may want to consider your risk tolerance and initial budget before you decide on the account type. Ideally, you may want to begin with a mini account. This will allow you to trade with a small lot instead of a large lot. Also, mini accounts involve lower risk and smaller rewards.

5. Have a Trading Plan in Place

Planning includes three elements: money management, exit rules and entry rules. With the entry rules, you can decide on when you will purchase. Money management refers to the degree of risk you want to take. Exist rules refer to when you will sell.

Some FX traders have a short-lived passion for FX trading because of its tremendous leverage. The importance of leverage can't be denied because some currency pairs don't move more than 1% on a daily basis.

6. Have an Exit Strategy

You must have an exit strategy in place based on how long you want to stay in this trade. If you want to trade for the long term, you will reach your profit targets in years.

7. Be Patient

It's not possible to master your Forex trading skills overnight. Regardless of your learning strategy, you will always have something to learn. With time, you will keep learning new things. So, you should be patient.

In short, if you want to get started as a Forex trader, you may want to use these tips.

ForexRacer is an ideal resource if you are interested in learning more about Forex Bonus and Forex no deposit bonus. For more information pls check the website https://www.forexracer.com/forex-no-deposit-bonus/.

Article Source: http://EzineArticles.com/10201309


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7 Passive Income Ideas To Earn $700 per day!

    

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How to Set Up a Home Based Passive Income Business

The home based passive income model is based on the premise that you can set up a home business whereby you work less and earn a comfortable living with minimum involvement to achieve the much sought after financial freedom.

Traditional business models of home based passive income that you might be familiar with are network marketing or the rent you earn from a property, but these types often do not yield much. If you intend to earn really big in a passive way, you got to think outside of the box.

To put things in perspective, it is estimated that about half a trillion dollars is generated each year by home based businesses. That's bigger than General Motors, Ford, and Chrysler combined! There are numerous stories in the media about people in home businesses raking in more than the CEO's of some Fortune 500 companies. The current economic environment makes sure that the trend will keep on growing. Therefore, the big question is how do you get started?

There are three steps to get going into this business:
1. Make sure that you have positive cash flow (are spending less than your earnings)
2. Figure out the sources that would put you on the profit side
3. Devote sufficient time to the above sources

The right way to start is to remember that "Business from internet" or E-business, has guided thousands of individuals like you to an alternative source of living. It is far way from the traditional day work that you had been doing for so long. The best thing about internet business is that you do not have to have a lot of upfront money to start or run one. You can start this business at an incredibly low cost, and yet expect big rewards. Given the current economy and the long term uncertainty that has been created, you can expect the e-business is here to stay and millions across the globe have already stepped into it.

First and foremost you need to have a website to start with. Then comes a well thought out, smart marketing plan otherwise, it would resemble a store that no one knows about. So, the real catch is in making your site popular.

So, you have to know about the techniques that make it so. Remember, you can do that; your site can be your own money minting machinery in just 6 months, or less.

Here are some of the ways to make it so:

1. Write good articles

Yes, content is the king. It's the content of your website that would draw in traffic. Make your articles be original, informative and rich with keywords. Post your articles in various blogs, popular directories and ezines and get those linked to your site. This way, search engines will find it and place it in favorable positions, hopefully on front page on Google.

2. Pay per Click (PPC)

Google Ad Words, Yahoo Search Marketing and Microsoft AdCenter are some of the popular Pay per Click schemes. This is another way through which you can get traffic. In this method, you got to pay in advance and your pre- paid balance is debited every time your ad is clicked. Your advertisements also appear in the Google, Yahoo and MSN search engine listings. In addition, sponsored results appear over natural search results.

3. Targeted traffic

There are sites that offer visitor packages for fixed prices. Choose the one that fits in your bill and get the traffic diverted to your site according to your necessity. You can choose from a package of 1000 guaranteed visitors per month for a payment of $100 or 5000 visitors for $450, and so on.

4. Viral marketing

Viral marketing, taken its name from the medical term "virus", really denotes something that has the potential to multiply itself exponentially, like a virus. Today, this is the most economical and tested strategy of internet marketing and it is utilized by all internet gurus, marketing people and the like.

In viral marketing, the basic idea of viral marketing is about giving out attractive & exciting things to people free of charge. Of course whatever you give out will bear the name of your site inscribed in it. And people will gladly pass them to others. In this way, the name of your site will spreads like a virus.

Things to keep in mind when using this method of marketing:

First and foremost, give something of value. If people see you offering free e-books that provide a guide to making money, they will be happy to receive your "gift". So what you need to do is simply pass your friends some free e-books and they will in turn pass the same to many other friends. This will continue for 6 to 7 stages, and within 2 weeks, the free e-book will reach a vast audience. Of course the e-book has a link to your site.

Second, utilize your social circles. Most of us keep regular contact with 10-12 people. These people are primarily friends and acquaintances and they include anyone who would love your stuff and would be sharing with these 12 people of the innermost circle. It is basically an easy way to reach 13 people with just one shot.

Third, make sure you follow up with repeated campaigns. The data show that viral marketing drives keep going for 2 - 3 weeks, and then die out. So, you have to repeat the procedure with a new campaign after every 2 - 3 weeks. And of course every new drive should have a new free stuff to give away.

In many cases your free ebooks are copyright free, so that they can be freely used and transferred to others. The idea here is to make sure you reach maximum number of people.

Fourth, plan ahead for potential fast growth! This is what viral marketing is all about; it can really steer your business to a rapid growth. And you must be ready to grow with it. This means that you have to be ready to handle at least 10 times the order within a given time. Plus, you need to have a bigger bandwidth for your website, to manage the added traffic-load. Furthermore, you must be all set to delegate and/or hire people whenever necessary. So, the bottom-line is, unless you are ready to support the business and the growing demand, you will fade away...

Fifth, use "cross advertising", i.e., promotion of other services with your main campaign so that people can also see/buy other related products. Back-end marketing can help you enhance your sales up to 30%.

Sixth, make sure you offer free gifts to visitors to get their email address. Free gifts do wonders. I have had campaigns that produced the highest message openings with almost 90% click rates! Free gifts work helping you in creating your own database of customers. You can compliment your free gifts with newsletter campaigns offering your customers some really useful information.

Seventh, utilize Google AdSense as part of your advertisement campaign. Google provides one of the top three Pay-per-click programs on the internet. As the owner of a website you can apply to enroll with AdSense and allow advertisements to appear on your web page. The advertisements that appear are managed by Google are connected to the content on your website and you profit from the income on the per click basis.

There are other similar programs available on the internet that serves the same purpose:

o Yahoo YPN
o Clicksor
o TargetPoint
o AffiliateSensor

Eight, affiliate marketing, one of the oldest and extensively practiced systems of selling other people's products and getting a share of the profits. When you sign up with a merchant, you get is a java code for their banner. You can paste the HTML code on your site and the banners start appearing there.

Some of the biggest affiliate program exchanges are, ClickBank, eAds, ValueClick, Safe Audit and Demoz.

Ninth, use social networking sites, such as MySpace, tweeter and you are assured of networking site with millions of users.

You can use social networking to earn a home based passive income, by following these tips:

1. Create a blog or website of your own which gives information on subjects like internet income generation
2. Get your own account started by signing up with a pay per click vendor like Google AdSense. As I mentioned before, paste the java code you get into the HTML codes of your site/blog. Advertisements will start appearing in the site/blog. You earn commissions each time someone clicks on them.
3. Sign up with some affiliate program like ClickBank. Once you register with ClickBank you can refer your visitors to your partner sites, and whenever they become paid members of the site, or if they purchase, you earn a commission.
4. Join MySpace and start building your customer base. Start posting messages and watch your customer base grow.
5. Use testimonials of your satisfied customers alongside the main body of the sales letter. To make the testimonials look more authentic, paste photographs of people who have given the testimonials and the
links to their sites.
6. Give out free gifts - a method that works very well building your list! Give away e-books for free if someone buys one product. This way they feel satisfied as at the price of one, they get a number of things.

Conclusion

The above is basic information regarding how to generate home based passive income. The bottom line here is to work less and earn more without a direct involvement and steadily achieve the much sought after financial freedom. Hopefully, the ideas and guideline here have given you a head start. Use them and make money!

This article is just one of many ideas that I have presented over the years and people have benefited from: If you enjoyed this article, you may also like [http://doc4icu.cbpirateblog.com/]

Article Source: http://EzineArticles.com/2879477


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Should YOU become a DIGITAL NOMAD? BALI EXPAT LIFE

  

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Dreaming to Become a Digital Nomad? Here's What You Should Know

Do you feel that your feet are tied to wheels? Do you feel that a 9-5 routine is too harsh for you? Do you want to move out, live your life and work at the same time? Do you wish to work in the hours you want, be it in the morning or in the evening? Of course, you cannot ignore work. That is going to bring the pennies you need to live the life you deserve. If the answers to all these questions are yes, then you are an aspiring digital nomad for sure.

Now, who is a digital nomad?

It is contemporary term, which has become prevalent only in recent times, i.e. the time of the internet. This is because digital nomads depend on the online media for their daily earnings. Yes, several sites all around the web give remuneration to these travelers for their rich experiences so as to motivate others who feel the same. All of us are not made for routine work and people who are creative enough to lead a nomadic life lacks proper motivation to kick start this career as it involves a lot of risks. These young people need the right motivation and the experienced digital nomads can provide that. Hence, their works are of crucial importance and are paid adequately. But, these people are not only bloggers or content marketers. The digitally nomadic people can also be web designers and developers or something entirely different. In short, they are freelancers, with the energy to travel around the globe and work at the same time. You get motivated, you work and you earn and travel at the same time. Live your life to the fullest. And that is exactly what being a digital nomad is all about.

How to become a digital nomad?

Now that you know the meaning of the term, you may be looking for ways to become one. That is the main motive behind reading this post, right? Knowing what it is and how to become one of them - a free bird with a constant resource to maintain a luxurious lifestyle without compromising on your basic nature. However, let's be clear about one thing first. Being a digital nomad is anything but easy. The following points will tell you why:

- You will not have a guaranteed income but live on bread crumbs at the beginning of your new life.

- You may face a lot of difficulties adjusting to your nomadic lifestyle at first. However, that is going to be okay later on as you start tasting the sweetness of it all.

- As you start earning from your freelancing career, you will have to make a lot of arrangements to spend it wisely. And if you are changing nations, you will have to find ways of securing the money you are earning.

- And then when everything starts working fine, you get the "ting" of alarm bell for relationship. Being a digital nomad is not favorable for a healthy relationship, be it with your family or spouse. You need to move from one place to another and sometimes from one country to another. You understand the problem? For many people out there, long distance relationships do not work. "Ding! Ding! Ding!" That sounds like alarm.

In spite of the adversities mentioned above, the moving life is quite fun. Because:

- You do not have a camera to watch your every action or
- A bio-metric to keep track of your in time and out time.
- You will be responsible for your own fortune as well as misfortune.
- You will have no one to blame you or boss you
- You will work as and when you please and the most important thing of all,
- You will have ample time at your hand to do the things you love most, be it traveling, sports, singing, writing a book, anything.

What you have to do is follow these simple steps:

- At first, write a letter to your boss, negotiating with him/her to give you four days a week working contract. If they agree, i.e.if you have a good rapport with your boss, you can work from home for the rest of the days, travel and take your laptop wherever you go. There, you become a digital nomad almost instantly.

- If they don't, with all good wishes, serve the notice period and in the meanwhile look for freelance careers on the web. You will get umpteen sites to choose from but all are not reliable or even suitable for you. You have to make an intelligent choice that you are not going to regret later on.

- Or, the best thing is to start your own blog. Write about your traveling experiences. It is going to be time consuming and costly at the same time. But blogs are the best thing these days. You may become an idol for millions of people living with the frustration of a 9-5 routine job.

No matter what decision you take, make sure you know what you are doing. If you don't take your own time and ask people about it. Take their suggestions. Sometimes, learning from others' experiences is the best thing you can do to enhance your life. All the very best to you!

Alicia favors the idea of being a digital nomad as she loves to work as and when she pleases. If you wish to know more about the life of a digital nomad, go to reputable media sites and read their content which consists of first hand experiences needed to motivate you to follow your dreams.

Article Source: http://EzineArticles.com/9238955


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