As my 30th birthday approaches, I find myself thinking about what I accomplished in the last decade. My 20s saw me get married, build a house with my husband, have two amazing kids, and start my career. And while I feel great about all those successes, there were definitely a lot of mistakes along the way – especially when it came to finances.
By Jacqueline Curtis
By Brian Martucci
EverBank is a Jacksonville, Florida-based bank that serves Florida customers through its network of physical branches and national customers through its online bank. The company offered its first product, the extant Yield Pledge Checking Account, in 1999. Since then, it has dramatically expanded its offerings to cater to retirement savers, high-asset clients, business owners, and advanced investors who want access to currencies and precious metals. It offers a robust lineup of banking services, as well as brokerage accounts for investors through EverTrade Direct Brokerage.
While there are a variety of investment options available to everyone, an astute investor must practice good fundamentals to control risks and optimize potential returns, including taking the time to be informed. As stated by Peter Lynch, renowned manager of the Fidelity Magellan Fund from 1977 to 1990 who beat the S&P 500 index 11 of 13 years, “Investing without research is like playing stud poker without looking at the cards.”
As you build your portfolio for retirement, it is crucial to keep several principles in mind.
By Michael Lewis
The price-to-earnings ratio, commonly known as the P/E ratio, is one of the most widely used valuation metrics. It is a basic measure used to compare different investments or the same investment over different periods of time, and it’s simple to calculate.
The P/E ratio is most commonly used for a quick comparison between two securities to see how Wall Street values them, with a higher P/E suggesting that future earnings are more likely. Dividing the common stock market share price (numerator) by earnings per share (denominator) produces the ratio. For example, a stock with a market price of $15.00 and earnings of $1.00 per share would have a P/E ratio of 15 (15/1=15).
By Mary McCoy
As any seasoned landscaper or gardener can tell you, a home’s landscape is more than just a few haphazardly placed trees and shrubs. It requires careful thought, planning, and research – not to mention hard work. Not only can well-designed landscaping increase the pleasure you derive from your dwelling, it can boost curb appeal if you need to sell your home.
Unfortunately, beautiful landscaping doesn’t usually come cheap. However, with a little planning, you can get a gorgeous outdoor setting with only a small upfront cost.
Defined as those born between 1982 and 1999, “millennials” have been given a slew of additional monikers – and not all of them are flattering. From the “me generation” to the more benign “Generation Y,” the “boomerang generation,” and “generation now,” there’s no shortage of labels for what currently makes up a large portion of the professional workforce. The U.S. Bureau of Labor and Statistics estimates that by 2018, half of those working are going to be millennials.
According to government statistics, there were more than 4.2 million divorces between the years of 2006 and 2011, about half the rate of marriages in the same period. Statistically, about 40% of first marriages end in divorce, while almost three-quarters of third marriages fail.
Divorce is often costly, and can be devastating for all parties involved – partners, children, parents, and grandparents. According to the Holmes-Rahe Social Readjustment Rating Scale, only the death of a spouse is a more traumatic, stress-causing event; divorce is more stressful than separation, a jail term, the death of a close family member, or a personal injury or serious illness. Fortunately, time does heal all wounds, and understanding the healing process can help speed the path to recovery.
I’ve had a valid driver’s license for 11 years with a perfectly clean record – no accidents, no speeding tickets, and not even a warning – so I was completely blindsided the day my SUV was rocked by the sound of a truck colliding into my driver’s side door, almost taking off the front bumper of my car. My kids and I were completely fine, but since it was my first accident, I was in a state of shock as I pulled my car into a nearby parking lot. Oddly, it wasn’t the fear of getting hurt, or the concern for my car that stands out about that day, but the disconcerting feeling of being in unfamiliar territory with no idea what to do. Immediately the other driver was out of his car and at my door, which wouldn’t open from the inside. I had to climb out of the passenger-side door to meet him, and he was ready for a fight. It was then that I had my “baptism by fire” and had to learn how to deal with car accidents, auto insurance, and other drivers.
“Buy Now, Save Later!” It’s one of those slogans a marketing genius once thought up to help push consumers into spending. But as the saying goes, you can’t save money by spending it. So that begs the question: Are preemptive purchases ever truly beneficial?
The answer might actually be yes. While you probably won’t conserve a ton of cash by purchasing shoes simply because they’re on sale this weekend (they’re sure to go on sale again), there may be some purchases that could actually help you hang onto your hard-earned cash in the future. It’s unlikely, however, that these purchases are the ones being advertised with the “Buy Now, Save Later” tagline, so you need to stay sharp and watch for the right opportunities.
By Michael Lewis
Malcolm Forbes is credited with the phrase, “He who has the most toys wins the game.” According to a People magazine article written at the time of his death, his hobbies included the acquisition of wealth and “flaunting what it could buy.”
His memorial service featured displays of his vast collection of art, including antique model boats, toy soldiers, and manuscripts. Forbes owned eight homes around the world including a private island, 2,200 paintings, a 151-foot yacht, and a Boeing 727. He also owned more Russian Imperial Faberge eggs than the Russian government. Since his death, Mr. Forbes’ philosophy has been attacked by both preachers and pundits, some of whom cited the Bible’s question: “What good will it be for a man if he gains the whole world, yet forfeits his soul?”
By Laura Williams
According to SwimToday, 80% of parents never consider enrolling their kids in swim team after they’ve completed swim lessons. And yet swimming is one of the most amazing lifetime sports a person can get involved in, as people of all ages – from 4 to 94 – can take advantage of the incredible fitness benefits it imparts. Clearly not everyone is familiar with why swimming workouts are so fabulous and how to get started.
I spent 13 years of my professional life working in and around swimming pools. That included years of lifeguarding, teaching swim lessons, organizing fitness classes, managing facilities, and working with community members to expand programs and meet needs. I can personally attest to the life-changing health benefits of water exercise.
By Laura Williams
With what seems like thousands of fitness opportunities constantly vying for your attention, it’s easy to lose sight of some of the most basic and effective of them. Walking – a movement that’s as natural as breathing – is one of the best ways to improve your overall health.
While you might find yourself asking, “What’s the trick? How can walking be so effective?” the honest answer is that it’s as simple as putting on your shoes and heading outside.
Humankind’s fascination with gold can be dated back as far as 4000 B.C., and for much of our collective history, possession of gold was a sign of wealth and status restricted solely to governments and nobility. Eventually, the first gold coins are believed to have initially financed long-distance trading around the world – around 500 B.C., Darius the Great of the Persian Empire is thought to have minted the first coin, the “daric,” to facilitate the expansion of his empire and the needs of his army as it moved into foreign territories.
By Michael Lewis
Need a new shoulder joint, a gun, or that tiny little part that fits inside your child’s toy? 3D printers have the potential to change our lives and make every person an inventor, a sculptor, or a chef.
These revolutionary printers are increasingly visible in our everyday lives:
- Guns. In 2013, self-declared “crypto-anarchist” Cody Wilson designed, created, and printed a plastic gun via 3D printing technology. Cody fired a shot and distributed the CAD files for the gun over the Internet. There were more than 100,000 downloads before the U.S. government closed the site. In May 2014, Yoshitomo Imura was arrested in Japan of possession of five 3D printed guns.
By Michael Lewis
The combination of inexpensive technology, accessible virtual markets, and easy funding through crowdsourcing is changing the face of entrepreneurship. Today’s new business starters are socially sophisticated, willing to bear more risk than previous generations, and more likely to work out of a home or small office and rely on others for business processes. Some are small guerrilla outfits surfing from one hot concept to the next, and some are venture capital-funded geniuses with disruptor ideas.
It is a great time to start a new business – the best time in history.