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Top Organic Health Food Stocks to Buy in 2019

Consumer trends are changing and more people are embracing healthy organic food companies in favor of traditional high calorie and processed goods. Here is a list of the best organic health food stocks to buy this year.

Top Organic Health Food Stocks

  • United Natural Foods Inc (UNFI)

Top Car & Auto Stocks to Buy in 2019

Automotive stocks had a rough 2018 as an overall sector but things look bright this year for several companies. Here is a list of the top car & auto stocks to buy this year.

Top Auto Stocks

  • General Motors (GM)
  • Toyota (TM)
  • Ford (F)
  • Telsa (TSLA)
  • Honda Motors (HMC)

Top 3 Solar Energy Stocks to Buy for 2019

Move over oil. The future of alternative energy is solar. Here’s a list of the top rated solar energy stocks for this year.

Top Solar Energy Stocks

  • Sunpower (SPWR)
  • Sunrun (RUN)
  • Terraform Power (TERP)

Solar Energy is a relative new technology with several companies entering the space in recent years. We take a long term approach with our stock analysis so this article is suited more for long term investors who plan to hold their shares over the next 5, 10 and 20 years.

No one knows exactly where these solar energy stocks will trade by the end of 2019 but the long term trend will be upwards as more and more companies seek out clean, sustainable energy that’s cost effective, cheaper than oil and good for our planet.

While there are literally dozens of solar energy stocks, we will focus on our top 5 picks for long term investors.

Sunpower (SPWR)

  • Market Cap: $1 billion
  • 2018 Revenue: $1.8 billion

Sunpower is one of our favorite Solar energy plays that’s on a massive uptrend since bottoming out in December 2018. It’s up over 50% since then and has a strong presence in the growing solar industry.

Sunpower is the #1 solar provider for commercial solutions for 2 years straight and the company grew its residential business more than 15% last year with over 236,000 customers. Walmart, Toyota and Fedex are just a few of their commercial clients.

Read More: Sunpower Investor Relations

Sunrun (RUN)

Sunrun is a residential solar installation company that’s currently #1 in the United States. With over 230,000 customers, I love Sunrun as a long term buy and hold stock due to this current market position and potential for long term growth.

Only 2 to 3% of American homes are currently using Solar energy yet study shows up to 90% of Americans are interested in utilizing solar energy.

Sunrun is the clear market leaders and one of the most pure plays on this growing trend. Quarterly revenue growth stands at 57% and has grown from $304 million in 2015 to $759 million in 2018. Cash flow remains positive but the company is still posting EPS losses.

Read More: Sunrun Investor Relations

Terraform Power (TERP)

  • Market cap: $2.82 Billion
  • 2018 Revenue: $777 Million
  • Dividend Yield: 5.8%

Terraform power is one of the better solar energy REITs to own since they make their money by leasing out their solar and wind assets to major companies like GE.

The company pays out a nice quarterly dividend and is a good buy for dividend investors looking to add solar energy stocks to their portfolio.

Watts Generation increased from 7,167 in FY2017 to 8,088 in FY 2018. Plus, the company posted a positive 7 cents EPS. Things are looking bright for Terraform and the

Read More: Terraform Power Investor Relations

Disclosure: I own shares of Sunrun stock.

5 Popular Funding Options for Start-Ups

For many people, running their own business can be the perfect career path. Of course, starting your own small business is not very easy and it requires a lot of cash in the initial stages. The good news is, however, that there are some popular ways that people are able to gain some extra cash for their start-up. Here, we are going to talk you through some of your options. Keep reading to find out more.

Crowdfunding

One of the most popular ways to fund a start-up is through crowdfunding. Do you think that other people might be interested in what your start-up will have to offer? If so then you might find that you could actually raise a lot of cash using a crowdfunding site that allows members of the public and investors to donate. Take a look at some of the crowdfunding options and start your own business today.

Start-Up Loans

If you want a more reliable source of income for your start-up then you might want to think about applying for a start-up loan. Start up loans can be given to businesses who don’t have anything to show for themselves apart from the fact that they are trustworthy lenders. Many successful businesses have grown from start-up loans so if you are looking for some funding, you should think about applying online for one of these.

Angel Investors

Another effective way to raise some funds for a start-up is through angel investors. There are many people who have enough money to put into small businesses in the hope that they will get something back for it in the future. Take a look online at some of the sites that allow you to get in contact with angel investors and you might just be able to fund your start-up.

Family And Friends

If you are still struggling for funding, then you might want to think about asking some of your family or friends for the cash that you need to get your start-up up and running. Of course, this is a risky option that needs to have the terms set out carefully. Make sure that your friends and family know just how much you are willing to pay back and try to come up with a time frame that is reasonable for doing so.

Other Local Businesses

The final popular funding option for start-ups is other small local small business owners. You might find that another local business could use your services and they might be willing to invest some money so that you can work together in the future. Think about asking around local businesses and try to come up with some extra funds.

It is entirely possible to turn your start-up into a reality so make sure to consider all of the funding options that we have discussed in this article. Ask around, apply online for loans and you should be able to be running your business in no time at all.

The Best Way to Take Advantage of Credit Lines

You’ll find yourself in need of cash at some point in life. Some of the pressing needs include medical bills, home repairs or paying for your child’s college tuition.

Often, the only way out is through borrowing. Some of the avenues include credit card debts and payday loans. These options have two drawbacks. High-interest rates and fees which put off a number of people.

However, few people think of other means to resolve the cash crunch. A credit line is one of those overlooked options. Since it comes with low interest rates, you’ll save a good amount.

Read on to find how credit lines work, and how you can use them to your advantage.

What is a Credit Line?

Also known as a line of credit (LOC), this type of loan allows you to borrow money and use it for a specific purpose. For example, you can make repairs in your home using a home equity line of credit.

Business expansion is a dream all entrepreneurs look forward to. Nevertheless, funding is a critical part of this process and this is what halts these dreams. Taking out a cash loans without credit check is out of the question because you don’t have enough or no collateral at all to put up. The remaining option is a LOC which may provide the much-needed funds.

With this option, you’ll only pay interests and fees depending on the amount of money you take out. This is different from the traditional loans where after receiving the money, you’ll start paying monthly installments.

For example, if you don’t draw money from a $10,000 LOC, you won’t pay anything in interests. The best part is, the money is available for you whenever you need it.

How Credit Lines Work

Again, with a LOC, you have the freedom to use the money at whatever time you want. It works in a similar to a credit card, but with lower interest rates.

In addition, credit lines come with higher limits for spending compared to credit cards. You’ll also get monthly statements with details such as interests, fees, payment due and the balance. As long as you draw money, you’ll have to repay the finds, but this will depend on the agreement between you and the lender.

What You Need to Keep in Mind

Lenders may perform an inquiry on your report when applying for a credit line. This will take a pinch off your score since it’ll appear as a new account on the report.

However, you can improve the score by utilizing a small portion of the credit. If you take out more money from the line, you run the risk of ruining your score due to high credit utilization.

You should also strive to make on-time payments, otherwise, your score will take a hit.

Types of Credit Lines

Credit lines come in two distinct categories. Secured and unsecured. The former doesn’t need any security thus making it an uphill task to qualify for one. When you do qualify, prepare for the high-interest rates due to the high risks involved.

With a secured credit line, the borrower needs to secure the loan with an asset such as a car or a home. It’s a risky move, but the lender will offer lower interest rates since they have a way to recoup their money if you default payment.

Now that you have an idea of the different types of LOCs, you can use them to your advantage. Here’s how to do it.

A Personal Line of Credit

If you have a checking account with a certain lending institution, you can use it to take out a personal credit line. With this, you can transfer funds into your checking account while also allowing you to issue checks for various payments from the LOC.

You’ll also benefit from the freedom to use the funds at whatever time you please since it works in the same manner as a credit card. Keep in mind the amount borrowed is secured against an asset. If you fail to pay back, the lender will move in to repossess the property.

A Business Credit Line

After starting and running your business for a while, you’ll need to expand to reach a wider audience in order to increase revenues and grow the brand. Financing is a major enabler of this process and a business LOC is a great choice.

You can use this money to purchase inventory, equipment and hire more staff. If you have a new business, chances are consistent cash flow is a huge problem. To maintain consistency, you can use a business LOC which will also take care of fluctuating costs.

Since it’s a secured loan, it means you have to put up collateral. In this case, business assets such as inventory and equipment will work as security.

Home Equity Line of Credit

As the name suggests, you can use this credit line to fund home renovations, emergency fixes and other repairs. Your home’s value will act as collateral when taking out this loan. However, the lender will offer low interest rates and fees since the risks are low.

If you intend on taking out a HELOC, use the same lender where you have a mortgage. Furthermore, there’s a certain duration which you can draw the money and it can last for up to 10 years before the lender seeks the whole payment.

A credit line is of the less advertised funding options. If you’re in a cash crunch, you can take advantage of its low interest rates which will save you money in the long run. While this funding option seems like a cheap one, it may not be the best option for everyone.

To choose the best funding option, you have to analyze your current financial situation. This will give you a true position which can then help you to seek the best option. This means borrowing what you can afford and choosing a loan with low costs.

How to ensure consistency in your trading career

This is a quality that is necessary in order to achieve success in the trading sector. This quality is the continuous winning of profit and keeping the winning streak. Do not expect every time the decision will be right. There will be losses but consistency can cover up the failures. The number of profits will be bigger and this is how it helps to maintain a positive balance in the market. As there are thousands of people investing money, it is common to distract from the track. The scammers and the brokers are coming with attractive offers and investors lose the mind. The people go for a plan that is supposed to provide high benefit but turn into failure. A well-performing trader can also fall for these traps and lost the profit. This is hard to keep the eye set on the prize and this article will explain some tricks that can grow this skill. Never expect it to develop instantly. The professionals have reached this level of knowledge after a long time of patience and practice. You do not need this amount of time if the tricks are followed properly.

Never lose the focus

The first rule of developing this wonderful and amazing habit is keeping the mindset set on the goal. As we have told before, the industry will try to distract. The scammers will lure with offers but never lose the goal. Think about the profit and stay on track. It will be hard but has its own benefits. The impatient investors do not succeed easily. They are the easiest folks to convince by fake promises. If the mindset is not strong, a trader can never develop consistency. Practice in the demo account and stick to the system. Even if the trends are running in a favorable direction, do not deviate from the formula. This is how focus can be developed which will help you to achieve good skills and a high quality trading performance in Forex.

Learn the use of advanced trading tools

The smart Aussie traders always prefer Rakuten online trading platform to have free access to premium trading tools. Trading is extremely easy provided that you know the perfect way to use the advanced tools. In order to make consistent profit from the market, you must learn the proper way to find great trades in favor of the market trend. To do so, you need to take advantage of premium technology offer by Rakuten broker.

Trade with a simple strategy

The second rule is not to use a new plan when the investment fails. There is no certainty that every trade will be profitable. The patterns are changing and most people fail to understand this idea. This is common and does not get worried. When practiced with one formula, the investors get more time to get acquainted with the technique. Without understanding the concept, profit will never come. Most professionals only use few plans but they have amazing control over the tricks. By looking at the chart, these people can tell the direction and know the right strategy. Do not think of the losses, stick to the rule. Over time as the skill enhance, you will know when to use the plan. Never experiment with patterns as this can take away the loss. Confidence only grows when a trader has control over the strategy.

Spend time on the market every day

It is the most important rule to flow. To develop consistency, there is no alternative than spending some time on the chart and analyzing the trends. The volatility, the patterns, the currency movements all of these can explain the concepts of trading. There is no need to place trades, only spend a few hours every day. In the beginning, the pattern will seem complex but as time passes, an understanding will begin to develop. This process is necessary to know how trading works in this industry.

A trader should always keep their emotions in control

There are many enemies in Forex but the hidden and lethal enemy is emotion. We are telling you it is hidden because they lie within our mind. Even the traders do not know what the reason behind taking the decision was. Imagine you are trading. There is a profitable trend and you invest money. The reason behind this action is emotion that is telling to invest money because there is a good chance of return. This does not always happen if these feelings get over yourself, the traders will lose control in Forex. It is lethal because most failures happen through a lack of keeping feelings under adequate control.

This article will tell you how to control emotions and become a winner in Forex. Fasten your seatbelt because some hot tips are going to come your way. If these tricks are followed properly, a noticeable change will appear on the performance. The difference between a winner and a loser is not much. A successful person will go by the information and analyses, whereas a novice person will try to listen to the mind. He may believe the hunch and take decisions, only to find the analyses were correct.

Effective analysis of the market

An effective way to control is by analyzing the chart. Do you know the reason people like to skip this part? They think the pattern will go in the predicted direction, there is no need to analyze. The patterns look simple, the news is good and the market is moving profitably. These affect the mind and the sensation dives in. The novice people may not realize but the professionals know the risks. It tempts to avoid the analyses, go by the mind and lose the money. Always keep in mind, losing money is the easiest thing. You simply need to believe what the hunch is telling and plan the strategy. The sector will do the rest. Give focus on analyses, even if the volatility is predictable. Never overestimate yourself, the trend can always change. Expect the unexpected and plan for the worst. A seasoned person is likely to invest in trades where people will not dare to spend money. This is because naïve traders are affected by emotional decisions, results in taking the obvious trades. The seasoned trader will go for the trends that have been validated by the indicators and analyses.

Following the basic rules of money management

Those who really want to make some change to the standard of their life should trade the market with proper risk management. Try to find the best setups in the trading platform so that you have a higher chance to win. This doesn’t mean you will be risking more than 2% of your account balance in any given trade. Just trade the market with managed risk and you will be able to develop a simple and effective trading system. Last but not least, never trade with money that you can’t afford to lose.

Never do what the mind thinks

This is an amazing trick that has worked for many people. Simply do the opposite in Forex whenever you think you will place trades. This does not require time but the only mindset to overcome form the greed. If you think it is a good time for investment as other people are trading, take a break. Groups are never successful but we never realize that until the money is lost. Think and invest differently. The common folks are never the winners.

Never trade after winning

Most sensations come after making a profit. It is the perfect time to think of achieving our dreams, making our own story. It does not happen to all the people, many invest again to keep the money coming and lose the capital. After every successful reward, distance from the industry. It will give time to think of future patterns. An emotionally charged person is more likely to make the wrong decisions in Forex.

Importance of taking small breaks in your trading career

The currency trading business is not so good for traders. This is because the volatility in this platform is much more than you get in the commodity trading or stock business. That is why the traders will have to maintain their business far more precisely. When you make a small mistake, the trading process will lose a lot of money. That is why the traders will have no interest in the process. At the beginning of your trading career, there will be a lot of interest in the trading process. It will especially come from making money. In fact, the Forex trading business does give the traders a lot of income. For that, they will have to learn about the business properly first. During the learning period, the traders will need to experience losses from the trades. We are going to focus on the problems of the currency trading business. If you can learn from this article, the performance of your trading can bring a decent income. That will keep your interest alive in the business process.

You can’t win all the time

It is true that currency trading will not let you win that easily. There will be a lot of signals you will have to analyze for proper trades. Even then, the right closing of the trades will be critical. That is why novice traders will not be able to win proper trades. That is a legit fact of this platform. But this must not be an issue for traders. When it comes to thinking about the trading process, many traders are affected by this. Because of tensions and depression, traders lose their mojo for the business. It actually has to be a proper inspiration to traders. Moreover, it will be good if you can make up your mindset with positive thinking and maintain your performance. This way, the trading losses will not impact your performance. That is the right way to maintain your performance in the business. So, keep your expectation subtle for the right progress in the trades.

Developing your mental stability

Without having a strong mindset, you can’t cope with the losing trades. The pro-Aussie traders always suggest the rookie traders to use the Forex demo account to learn the art of trading. You won’t have to risk your real money to learn new things. Focus on your demo trading performance you will be able to make consistent profit in real account. Most importantly, it will help you to develop your mental stability which is one of the key ingredients to becoming a successful trader.

Dealing with the defects in the trading system

The currency trading process is very much curtailed for novice traders. If you have spent some time preparing for this business, the concept will be clear to you. Besides that, the traders will also have to learn about the right maintenance of the trading process. More importantly, the traders will have to stay away from the defects in the currency trading business. A lot of traders will have a common interest in the micromanagement and the overtrading problem. They must be gone from your trading mind. There is only a chance of more losses from those process. Overtrading makes your trades vulnerable with no good strategic approaches. On the other hand, micromanagement does not help the trades to open and close the trades at the right positions. So, they must be gone from the trading edge fully.

Learn to trade with major precautions

If you want to secure your trading process, there will have to be protection for your trades. We are talking about stop-losses and take-profits. When you set the limit based on pips, the trading platform (trading tool) will help to close the trades at the right positions.

How Loans Can Help You Attain Financial Security

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Debt is a dirty word for many personal finance professionals. They encourage folks to kill their debt ASAP. In general, many of the debts that people take on are bad. They cost money and provide little in the way of lasting financial benefit for the borrowers who incur them. There are, however some types of debt that come with benefits of borrowing that can help ordinary folks build financial security over time.

Here are a few debts that can pay off in the long run:

Personal Loan

The main draw of personal loans and similar financial products is the freedom bestowed upon the borrower regarding what they can use it for. This makes online installment loans and other short-term borrowing options potentially useful in the preservation of a home, repair of a vehicle, or purchase of equipment used to earn money. What these and similar examples demonstrate is the way in which a personal loan can enable someone to protect assets as well as generate income, both of which have the potential for a strong return on investment down the road. At the same time, the freedom of personal loans runs the risk of irresponsible usage. By spending the money on a vacation or new clothes, borrowers are not using it to attain financial security and instead are finding themselves deeper in debt.

Mortgages

There are two types of mortgages that can pay off with financial freedom over time. Taking on a mortgage for a family home can be a great way to build equity over time. The house will effectively become a forced savings account, and homeowners can hopefully be able to downsize after retirement and access some cash. It can also be a good idea to borrow for rental homes. As long as the home or apartment complex remains rented, the tenants will pay off the mortgage for the borrower. After the mortgage is paid off, the monthly rent will largely just go toward improving the financial situation of the owner. He or she can continue to collect rent checks or sell the homes and pocket the proceeds.

Business Loans

Would-be entrepreneurs might have great ideas. What they frequently lack, however, is money. This is where a small business loan or a strategic credit card application can provide a quick infusion of capital that can take the small business from an idea to a reality. As long as the business can bring in enough cash to pay the bills, the dream can stay alive. The biggest risk is a lack of revenue that can make it difficult to pay the bills off.

Student Loans

A final way that debt can pay off to financial freedom is through taking on student loans. Ideally, people will be able to cash flow an education. This is not possible for many people, especially those who want to get professional degrees. Those who earn a JD or an MD will likely benefit through higher earnings so a student loan can be an investment for these people. One of the risks of borrowing with student loans is the possibility that a good job will not come, and the loans cannot be discharged in bankruptcy. The borrowers are basically stuck with a growing debt at that point.

Not all debts are created equal. Purchasing a new pair of shoes or a handbag on credit for a couple hundred dollars is not a good idea. On the other hand, borrowing for a house or higher education can really pay off. A good rule of thumb is only to borrow to make money, not to spend money.

Best Stocks Under $1 Worth Buying for 2019

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Looking to stocks under $1 to buy with massive growth and earnings potential?

Every month, we search through dozens of stocks under $1 using a variety of stock screeners to find some hidden gems that the market is ignoring.

Many of these stocks are either old tried and true companies that are facing uncertain times or companies positioned in growth sectors with massive future potential.

Best Stocks Under $1 to Buy in 2019

DropCar (NASDAQ: DCAR)

DropCar is a company that specializes in valet parking services and self-serviced parking spaces through the United States but their main operations are based in NYC.

Consumers use their app to hire a personal valet driver for $15 per hour or reserve a self-managed parking space for $275 per month.

The company recently switched gears and now focuses on increasing their self-serviced parking service, which already has over 750 monthly subscribers. On top of that, they recently entered a partnership with Turo, the largest peer to peer car renting service in America.

Times have been a bit rough for DropCar but America is moving towards a peer to peer lending car service network and companies like DropCar are positioned to benefit from the change in consumer needs.

As of now, the stock is trading at 40 cents per share with a 3.87 million dollar market cap. What I really like about Dropcar is that their quarterly revenue exceeds the market cap at the moment.

And revenue growth has been extremely impressive as well. 263% quarterly revenue growth is an excellent signal that DropCar attracts plenty of customers for their unique line of services.

With the recent negative publicity surrounding ride share services like Uber, people may prefer using a safer, more privatized service like DropCar.

YogaWorks (NASDAQ: YOGA)

YogaWorks is a yoga class & training company that owns 66 yoga studios across America with over 3 million annual students.

The company gets criticized for failing to become profitable even though they own a growing number of Yoga studios.

However, I think analysts are missing out on their more scalable product offering: MyYogaWorks.com

MyYogaWorks is a monthly yoga subscription program with over 1,000 videos available for only $15 per month. This is a great way to reach potential customers who cannot visit a Yoga studio or who live outside the United States.

Netflix proved you can build an entire business on a monthly subscription model even if all of your content is accessible online.

YogaWorks IPOed in 2017 at the price of $5.50 and has taken a huge beaten over the last year. However, I believe in buying when others are selling and getting in under $1 seems like an unbelievable discount for long term investors.