Financial Education: Things You Always Wanted to Know About Investing - Financial Academy

What Is a Holding Company?

Things You Always Wanted to Know About Investing in the Stock Market

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A holding company is a business that doesn't engage in any activity except owning assets. It is like a big, giant corporate brokerage account (e.g., Berkshire Hathaway owns GEICO and Benjamin Moore but doesn't actually do anything on its own.). 

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A holding company is a company that, itself, doesn't do anything. Instead, it owns other assets including other companies. Perhaps the easiest way to understand the concept is to think of a holding company like Visionone Holding Company. The company itself doesn't do anything ., run stores like visionaire Business Center, or Fem Konsa Capital Investme, or Visionone Real Estate Investment directly, yet it may own shares of those companies which do those things. From time to time, the holding company; Visionone Holding may receive dividends from the companies it invests in . It may also pay dividends to its shareholders. . 

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What Is a Hedge Fund?

A hedge fund is a partnership where investors kick in money and a professional money manager agrees to invest the cash in exchange for a cut of the profits. Hedge funds can specialize in almost anything from real estate to stocks. It's 

that simple. 

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What Is a Market Order?

A market order is the simplest type of stock trade you can place with your broker. It means that if you want to buy or sell 100 shares of a stock, for instance, it will get transmitted to the exchange and the order will be filled at the current price. 

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What Is a Limit Order?

A limit order lets you set a minimum or maximum price before your stock trade gets converted to a market order and sent to the stock exchange. Until you become very experienced, almost all orders should be limit orders to protect yourself.

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What Is an All Or None Order?

An all or none stock trades allow you to tell your broker that you only want an order filled if they can buy, or sell, all of the shares you instructed them to trade. This is important for strategies such as selling covered calls

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What Is a Stop Order or Stop Limit Order?

A sell stop order would allow an investor to avoid further losses or protect a profit if a stock drops below a certain level. The order then gets sent to the exchange and becomes a market order when triggered.

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What Is the Difference Between a Day Order and a GTC Order?

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When you are ready to trade stock, you can place either a day order, which will expire at the end of the trading day if it isn't filled, or a good-till-canceled order, which won't expire for up to sixty days, depending upon the broker.

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What Is a Trailing Stop Order?

A trailing stop order can let you protect profits. As the stock price goes up, you can tell your broker to keep trailing it and only sell if it falls, say, $2 from its highest price ever. At that point, the order gets converted to a market order

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What Is a Bracketed Order?

Bracketed orders may allow new investors to combine the best of both worlds. You can protect your profits, limit your losses, and structure your brokerage orders according to your own outlook for a stock or exchange traded funds

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What Is an Investment Bank?

An investment bank is a special type of financial institution that helps companies go public and issue stock or bonds, raising money for expansion, refinancing, or other causes. They are one of the engines of society and make modern life possible

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What Is the Wash Sale Rule?

The wash sale rule is a special tax trap that could cause you to get in trouble with the IRS. If you sell a stock at a loss and then repurchase the shares before a 30+ day window, you cannot write the loss off your taxes!

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Which Is Better - Real Estate or Stocks?

Real estate and stocks are two of the most popular asset classes available to investors. Which is better? Both have unique benefits and drawbacks. It depends, in part, upon your background, skills, net worth, personality, and tax laws.

Me personally I love real estate better than any other type of investment. Visionone Real Estate Investment Group explains:  Depreciation, money flows.

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Things Every New Investor Should Know About...

 What Does Pay Yourself First Mean?

Pay yourself first is a method where money is automatically taken out of a bank account or paycheck for investments so you investor never sees it. Just like IRS takes it's share before you know it. Fem Konsa Capital Investment explains;  It works because studies have shown that people who put aside a certain portion of their money somewhere, in a place where it can be multiplied those people always feel a sense of security. But those who don't invest nothing feel insecure constantly.

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What Is the Difference Between Saving and Investing?

The difference between saving and investing is an important one. Visionone Capital Management explains:  Saving represents money that is supposed to be immediately liquid and safe that you put somewhere for emergency. Usually a 3 to 6 months or even more emergency fund is imperative to have. because, emergency will arrive at any moment.

 Is a question of when. Meaning that you must be prepared before it arrives. It's better to prepare for the worse, but expecting the best ,... Income multiplication  Investing is for money that is supposed to be generating more money.

 Income multiplication, building wealth, having ROI=Return On Investment like dividends, interests, capital gains, royalties etc.  Knowing the difference can help you getting richer, or poorer. Visionone Capital Managent..

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How Do Investors like myself Make Money from Stocks?

There are two main ways to make money from owning stocks: Financial Academy School explains: 1st. dividends by buying preferred stocks, and 2nd. an increase in the share price; capital gains. Different investors pursue different strategies, some favoring one type over the other for tax reasons or personality. Financialacademyschool.com

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What Is an Asset Class?

Asset classes are a way to classify different types of investments. For instance; Fem Konsa Capital Investment explains: Stocks are an asset class. Bonds are an asset class. Real estate is an asset class. Private business is an asset class, Commodities are asset class etc. That's exactly where the word diversification is important. FemKonsa.com

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Where Should I Invest My Down Payment Money?

Visionone Real Estate Investment Group explains:  Down payment money should only be put in the safest, most secure investments available, preferably backed by a sovereign government with good credit. FDIC insured bank accounts, certificates of deposit, and Treasury bills are a few down payment options. This money can not be gambled in shaky risky companies, or investments. Visiononerealestate.com

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Why Are Investors So Obsessed With the Time Value of Money?

Visionone Capital Management Explains: Investors are obsessed with the time value of money because the longer money has to grow ("compounding"), The value of compound interes. The more valuable it becomes. For instance, $100 invested at 12% for 10 years is about $311 but for 50 years is about $2,890, Visiononecapital.com

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Things Every New Investor Should Know About...

Is Investing for Women Different?

 There is no glass ceiling when it comes to investing because your stocks, businesses, bonds, real estate, and other properties don't know or care which gender you are! I've put together a special step-by-step guide for female investors you can read.

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How Much Can I Contribute to My 401k, Roth IRA, or Other Retirement Account?

VISIONONE HOLDING COMPANY EXPLAINS: 401k contribution, IRA contribution limits, and other retirement account contribution limits all vary based upon the account type, tax law, and your household adjusted gross income. Experts said at least a minimum of 6 percent % should be contributed. If you work for a company who offers these stuffs and you don't participate, meaning that you're leaving money on the table for the company who is richer than you already. Be smart... Visiononeholding.com

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What Is a Put Option?

Visionaire Business Center=Visionairebiz explains: A put option gives the buyer the right, but not the obligation, to sell his or her shares of a stock at a predetermined price. It is like an insurance policy. If the stock crashes, the put option owner can exercise his put option and avoid major losses. Visionairebiz.com

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What Is a Golden Parachute?

A golden parachute is a severance package given to high ranking executives that is so generous, they effectively would never have to work again because they could live off the dividends and interest of the money. "Their feet will never touch the ground.".

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Things Every New Investor Should Know About

What Is a Dividend?

When a company earns a profit, it sometimes returns some of the money to the stockholders. If the Board of Directors votes to pay a $1 cash dividend per share and you owned 1,000 shares, you would get a check for $1,000 from the company

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What Is Dividend Yield?

Dividend yield tells you how much you should collect in cash dividends relative to how much you invest in a stock. It lets you compare a stock to a bond or CD. For example, a stock with a 4% dividend yield would pay $4 each year for every $100 invested

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What Is the Ex-Dividend Date

The ex-dividend date is the official day that anyone owning shares will be entitled to an upcoming dividend (which is called the dividend distribution date). If you bought your stock the day after the ex-dividend date, you would NOT receive that dividend.

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What Is the Dividend Declaration Date?

The dividend declaration date is the date at which a company's Board of Directors officially declares a dividend. At this point, the dividend becomes a legal obligation, or liability, of the company and must be paid at some point in the future.

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Why Don't All Stocks Pay Dividends?

Sometimes, a company has a high growth business and it can reinvest its profits at attractive rates of return (typically above 15%). When this happy situation occurs, it doesn't make sense to send money to shareholders. Instead, it should be reinvested

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What Is the Capital Gains Tax?

Capital gains tax rates often depend upon how long they an investment has been held. The longer an investment is owned, the lower the capital gains tax. Some asset classes, such as real estate, have special capital gains tax rules and benefits.

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Things Every New Investor Should Know About

What are Stock Buy Backs?

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When a company buys back its own stock, each remaining share represents a bigger equity ownership stake in the business. Over time, intelligent stock buy back programs can enrich long-term shareholders and lead to higher dividends and per share profits. 

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Financial Academy School Real Estate Home Buyers And Home Sellers Information - Vision one

Home Buyers Must Have A Plan:

Planning To Buying Your First, Second, Or An Investment Property Is More Important Than Many People Can Think OF..

 

Buying your first home is a major move, even a second home, or an income producing property.

So Why Not Make A Detailed Plan Of Action?

  Real Estate remains among the best, the safest long-term investments.

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Despite recent slowdowns in some markets, housing remains a good long-term investment, and demographic demand favors housing over the longer term.

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Are you planning on buying your first home but don't have a plan for doing it? That may be a mistake, because, not having a plan for success it's a plan for failure.

It's not  important to rush into buying a home, because a mortgage is usually the largest debt that many people will get into in their lifetime. One property can give you a big push in securing your retirement nest egg if you plan very well when buying says Anthony Jeanty the finest real estate professional in the south Florida area..

 "So it's much better to ask all the right questions, plan accordingly, and plan early," WHERE AND HOW TO FIND MONEY TO INVEST IN REAL ESTATE?

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One Year Out: Start Saving for a Down Payment

 You want to own a home for example within a year, you're probably going to need to save up for  closing costs and down payment. That if you don't already have cash available..  Some sacrifice will be needed to be made.
Like, stop using credit cards for unnecessary stuffs, stop buying big ticket items, spend less and save more, work more on improving your credit score. 
Because the higher the score, the less you will have to pay in interest, and also the more power you will have to have better deals with the financial institutions, you will be able to negotiate on your own term with an excellent credit. 

Your Credit, Your credit is the first thing potential lenders will check, says Duffy, so you want to make sure it's the best it can be. And that might mean improving it or correcting errors in it.

to qualify for a mortgage you'll likely need at least a 620 credit score. For the best rates, he says you'll probably want 740 or more. According to FICO itself, the difference in the mortgage interest rate for borrowers with credit scores of 620 and 760 is more than a percent and a half. That can add up to hundreds of dollars a month.

So how do you improve your score? Assuming you are not delinquent or late on payments to creditors, both Lin and Duffy agree that your best shot is to make sure your outstanding balances on credit cards are at or below 30 percent of your available credit limit.

"If you can pay your credit cards down to 30 percent of your available credit, that will usually earn you 10 or 20 points right away," says Lin. But if you're also trying to save for a down payment, that might take time, so check your credit well ahead of applying for a mortgage.

How much will you need to save? Well, it depends. First you need to figure out how much you can afford to spend on a home. To get an idea, you can use a home affordability calculator on knowledgefinancial.com  that takes into account factors such as your salary, investments, and debts.

Next you'll have to figure out how much you are able to put down on a home.
It's possible to put less than 20 percent down, but just keep in mind that you'll have to pay private mortgage insurance (PMI), which protects your lender in case of default.

If you're a first-time buyer, you can also opt to put 10 percent down and get what is called lender-paid insurance. In this scenario, the lender charges an eighth to a quarter percent higher interest rate and in turn, they pay off the entire policy. Essentially, you're mortgaging the insurance just like the home.
Because you're spreading the payment over 30 years, the payment is only about $20 to $30 a month, rather than a few hundred a month with PMI, this method is not recommended for everyone.

Once you've established approximately how much you can spend on a home, and therefore how big of a down payment you'll need, it's time to start saving. 
 you then divide the projected down payment amount by the number of paychecks you get in a year, and then set aside that amount per paycheck.
Another good reason to start saving now? If you're renting you may not realize that owning a home comes with a lot of upkeep and surprise expenses, 

"So if you're in the habit of saving and budgeting for that down payment, you'll be successful as a homeowner, because you'll keep that habit after buying a home."

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Now's the time to casually look into different possible neighborhoods - Get help from a Realtor.

Find a Mortgage Broker or Lender and Research Mortgage Options

Now that you know the neighborhood in which you want to buy, it's time to find a mortgage broker or lender rep and look into the various mortgage options. Because, yes, there is more than just the 30-year, fixed-rate loan that everyone's so familiar with.
For instance, perhaps you want to pay your home off earlier than 30 years so you can retire without the burden of a mortgage payment. In that case, you may want to get a 15-year, fixed-rate mortgage

 These come with lower interest rates, and because you are paying them off in half the time, you could save tens or even hundreds of thousands of dollars in interest during the life of the loan, he says.
Or, perhaps you want an adjustable-rate mortgage. "This option won't fit most people these days, because interest rates on fixed rates are still low, historically speaking

Then there are options such as VA loans for military veterans, which come with easier qualifying and lower down payment requirements, he says.
As for finding a good mortgage broker you'll want someone you trust and who knows the neighborhood or market in which you want to buy a home. The Internet is always an option for researching lenders, of course, but you may also want to ask friends who bought homes. Referrals from people you trust are always helpful.
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Get Pre-Approved --- -MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES WITH BEST LOAN PROGRAMS,

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If you think that you should find a house first before starting the mortgage process, you might want to think again. Duffy says that in this seller's market, with sometimes stiff competition among buyers for homes, pre-approval is often demanded by sellers to weed out buyers who can't qualify for a mortgage and thus waste everyone's time.
A simple pre-approval means that your mortgage broker or the lender's agent has reviewed all your tax documents, bank statements, income and asset documents, credit report, etc.

 That way the buyer can close faster, which is very important in a seller's market," 
In a pre-approval with a full credit approval, your mortgage rep will essentially do everything that is needed to get the mortgage, including getting the lender's underwriter to approve you for a mortgage,  Then, the only thing lacking in the mortgage application is the property information.
According to Duffy, presenting a full credit approval letter lets sellers know that you will have no problem getting a mortgage to buy their home.
The other obvious advantage to this is that you know exactly how much house you can afford.

As a Certified Specialist in Real Estate Investment, As a Licensed Realtor, As a Licensed Mortgage Broker —————-

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Financial Knowledge And Financial Education Tools And Resources

 Find a Good Realtor and Find Your Dream Home at Financial Academy School.com

Okay, time to get really serious. It's time to find a realtor. This late in the game? You might think that you should look for one earlier but that could be a mistake.
First, Duffy says finding a realtor after you find a mortgage expert, such as your lender, may sound counter-intuitive, but is actually very practical.

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"Mortgage professionals tend to do a lot more transactions in a month than a realtor, so we get a good feel for who the good realtors in a particular marketplace are, what their strengths are, and who to steer clear of," 
Second, it may sound crazy, but you don't want to start looking too early, especially in markets where properties don't stay on the market for long, 
"If you do this too early, you might see properties that will be sold by the time you're ready to buy,"  That just spells a lot of broken hearts and frustration.

But if done right, with a solid plan, buying a home can be a wonderful, well-thought-out experience. After all, the expression is Home Sweet Home, not Home Sweat Home.