IntroductionThe stock market can be a great source of confusion for many people. The average person generally falls into one of two categories. The first believe investing is a form of gambling; they are certain that if you invest, you will more than likely end up losing your money. Often these fears are driven by the personal experiences of family members and friends who suffered similar fates or lived through the Great Depression. These feelings are not ground in facts and are the result of personal experience. Someone who believes along this line of thinking simply does not understand what the stock market is or why it exists.
The second category consists of those who know they should invest for the long-run, but don’t know where to begin. Many feel like investing is some sort of black-magic that only a few people hold the key to. More often than not, they leave their financial decisions up to professionals, and cannot tell you why they own a particular stock or mutual fund. Their investment style is blind faith or limited to “this stock is going up. We should buy it.” This group is in far more danger than the first. They invest like the masses and then wonder why their results are mediocre (or in some cases, devastating). Read Entire Article: https://www.thebalance.com/investing-lesson-1-introduction-to-the-stock-market-356170 With an increasingly complex universe of financial products and services, how are America's high-school students prepared to manage their money as they enter adulthood?
Not all that well, according to a new assessment of financial literacy from the Organisation for Economic Co-Operation and Development (OECD). The Programme for International Student Assessment (PISA) test measures the financial knowledge and skills needed to make the jump from high school to college and on into the workforce. The results raise several red flags given that one in five American teens fail to meet the level to be considered financially literate. By comparison, only about one in 10 Chinese and Russian students fail to meet that benchmark. American teens haven't improved their scores since 2012. On top of that, teens who continue on to college often must make complex decisions about student loans that can impact their lives for decades. Read Article: http://www.cbsnews.com/news/financial-literacy-us-teens-compare/ Face-to-face, a human and a chimpanzee are easy to tell apart. The two species share a common primate ancestor, but over millions of years, their characteristics have morphed into easily distinguishable features. Chimps developed prominent brow ridges, flat noses, low-crowned heads and protruding muzzles. Human noses jut from relatively flat faces under high-domed crowns.
Those facial features diverged with the help of genetic parasites, mobile bits of genetic material that insert themselves into their hosts’ DNA. These parasites go by many names, including “jumping genes,” “transposable elements” and “transposons.” Some are relics of former viruses assimilated into a host’s genome, or genetic instruction book. Others are self-perpetuating pieces of genetic material whose origins are shrouded in the mists of time. Read Article: https://www.sciencenews.org/article/jumping-genes-play-big-role-what-makes-us-human Some 1.8 million students will graduate with a bachelor's level degree in the U.S. in 2017.
And most, if not all, will have to start – as millennials are fond of saying – adulting. They will have to earn money, and pay back student loans, and pay bills, and save for a rainy day, a car, a home and retirement. Here's how graduates should go about creating a sound financial plan, according to experts. 1. Create a budgetKeep track of your expected and actual income and expenses using software programs such as Mint or You Need a Budget. Of note, making a making a budget is not a once-and-done task. Instead, you adjust as needed. "This is ongoing, and is not a test you study for to pass and then forget," says Autumn Campbell, a financial planning resident at Upperline Financial Planning. "Budgets are malleable and change as your life circumstances change. Having a budget keeps you honest with yourself and in-tune with your expenses." A budget can also help you live within your means, says Jason McGarraugh, a certified financial planner with Neal Financial Group. "You need to know what you make and track what you spend," he says. Read Entire Article: http://www.cnbc.com/2017/05/24/9-ways-for-college-grads-to-start-life-on-the-right-financial-foot.html Warren Buffett is widely considered one of the greatest investors of all time, but if you were to ask him whom he thinks is the greatest investor, he would probably mention one man: his teacher, Benjamin Graham. Graham was an investor and investing mentor who is generally considered the father of security analysis and value investing.
His ideas and methods on investing are well documented in his books "Security Analysis" (1934) and "The Intelligent Investor" (1949), which are two of the most famous investing texts. These texts are often considered requisite reading material for any investor, but they aren't easy reads. In this article, we'll condense Graham's main investing principles and give you a head start on understanding his winning philosophy. Principle #1: Always Invest with a Margin of Safety Margin of safety is the principle of buying a security at a significant discount to its intrinsic value, which is thought to not only provide high-return opportunities, but also to minimize the downside risk of an investment. In simple terms, Graham's goal was to buy assets worth $1 for 50 cents. He did this very, very well. Read more: The 3 Most Timeless Investment Principles http://www.investopedia.com/articles/basics/07/grahamprinciples.asp#ixzz4hyYFJhvd Follow us: Investopedia on Facebook A fascinating article about a new technology which uses modified bacteria to find buried landmines.5/23/2017
Landmines are explosive wartime weapons. People bury them or leave them on the ground for their enemies to step on or drive over. Yet once peacetime arrives, some of these buried bombs may remain behind. They’re often in empty fields, where they can maim or kill innocent civilians. But a new technology can make it easy to find landmines — even from a safe distance. And this might let bomb crews disarm these weapons before someone gets hurt.
Read Article: https://www.sciencenewsforstudents.org/article/tweaked-germs-glow-pinpoint-buried-landmines Investing is a confusing endeavor for many people, so much so that an entire industry has grown up around giving advice to those in need. Sometimes that advice works out and sometimes it doesn't. Let's look at few timeworn concepts that don't always work out so well for investors despite the industry's recommendations. There are few absolutes in the world of investing, but for decades leading up to the late 2000s, there were a few Wall Street mantras that investors were told over and over again. Here are some of the best and the worst investing advice you've probably heard.
Advice to Reconsider 1. Diversify Diversification has long been held up as a way to protect your portfolio. The theory holds that when some investments lose value, others will gain. For example, investing in emerging markets and small cap stocks instead of just blue chips is touted as a way to protect your portfolio. A global recession can override that theory. Read more: The Best And Worst Investing Advice http://www.investopedia.com/articles/financial-theory/10/best-worst-investing-advice.asp#ixzz4hmyAZY8O If a company you've got a stake in files for bankruptcy, chances are you'll get back pennies to the dollar. Different bankruptcy proceedings or filings generally give some idea as to whether the average investor will get back all or a portion of his investment, but even that is determined on a case-by-case basis. There is also a pecking order of creditors and investors of who get paid back first, second and last. In this article, we'll explain what happens when a public company files for protection under U.S. bankruptcy laws and how it affects investors.
Read more: An Overview Of Corporate Bankruptcy http://www.investopedia.com/articles/01/120501.asp#ixzz4hLNF4xhV Follow us: Investopedia on Facebook Bankruptcy - it's a word that few people like to hear, but it can represent great opportunities for investors willing to do a little hands-on research. Bankruptcies are a process that occurs when companies can no longer afford to make payments on their debt. Oftentimes, this comes as a result of a bad economic environment, poor internal management, over-expansion, new liabilities, new regulations and a host of other reasons. This article will take a look at exactly what happens during a bankruptcy, and how investors can profit from it! (For more insight, see An Overview Of Corporate Bankruptcy.)
The Decline The bankruptcy process is often lengthy and complex. While understanding how it works from a theoretical standpoint may be easy, there are many complications that arise when it comes to settlement amounts and payment terms. There are two types of bankruptcy that companies may file: 1. Chapter 7 - This type of bankruptcy occurs when a company completely goes out of business and assigns a trustee to liquidate and distribute all of its assets to the company's creditors and owners. 2. Chapter 11 - This is the most common type of corporate bankruptcy for public companies. In a Chapter 11 bankruptcy, a company continues normal day-to-day operations while ratifying a plan to reorganize its business and assets in such a way that will make it able to meet its financial obligations and eventually emerge from bankruptcy. Read more: Taking Advantage Of Corporate Decline http://www.investopedia.com/articles/stocks/06/bankruptcy.asp#ixzz4hDlK2QRt Follow us: Investopedia on Facebook A wearable robot could prevent future falls among those prone to stumbles.
The new exoskeleton packs motors on a user’s hips and can sense blips in balance. In a small trial, the pelvic robot performed well in sensing and averting wearers’ slips, researchers report May 11 in Scientific Reports. Exoskeletons have the potential to help stroke victims and people with spinal cord injuries walk again (SN: 11/16/13, p. 22) — and even kick soccer goals (SN Online: 6/12/14). But this new model focuses on a more ordinary aspect of the human condition: falling on your face or your rear. “Exoskeletons could really help in this case,” says study coauthor Silvestro Micera, an engineer at École Polytechnique Fédérale de Lausanne in Switzerland. Most exoskeletons guide the movement of the wearer, forcing the person to walk in a particular way. But the new pelvic device allows the user to walk normally and reacts only when it needs to. A computer algorithm measures changes in a wearer’s hip joint angles to detect the altered posture that goes along with slipping. The robot then uses its motors to push the hips back into their natural position to, hopefully, prevent a fall. Read Article: https://www.sciencenews.org/article/new-pelvic-exoskeleton-stops-people-taking-tumbles |
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May 2017
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