Financial Tips For The New Investor

The new year is only a few days away. Get a jump start on financial success and claim what’s yours!

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  • Getting 2019 started right concentrating on three key steps.

  • Results may vary depending on your investing style.


The new year is on its way and you are ready to get serious about investing in the stock market! Now you can either jump right in and invest, or you can take necessary precautions and plan for success.

It took me some time to really get a grasp of how the stock market works and what investing style worked best for me. I look back and wish I wouldn’t have rushed the process at first, and because I did it cost me hundreds of dollars. So learn from my mistakes and check out these financial tips before you dive right in this year.

Minimize your expenses and relinquish your debt.

Be Aware Of Your Spending Habits

This is the most challenging part of all, but if you are afraid to check your personal bank account on a daily basis, don’t invest in the market. Learn to manage your personal finances, minimize your expenses and relinquish your debt. Being responsible for your spending habits is a must if you want success with your investments.

Life catches us by surprise often…

Emergency Savings

I was told by a wealthy businessman to always have at least $1,000 emergency fund on the side of your investing endeavors. And once you have started with that, build it to $2,000 (and so on). If you have a family, your emergency fund may need to be $3,000 – $10,000. But, if your main source of income stopped today, how long could you survive from your current savings?

Why?

Life catches us by surprise often, so it’s best to have a side savings fund to be prepared- sudden surprises such as car repair, house repair, etc. It’s not recommended to have all of your savings placed in the stock market. If you placed it all in a brokerage and suddenly needed the money, it could take several business days to complete the transactions (fees could be involved). You may also consider holding your securities long-term for tax purposes.

Concentrating on these two tips will help you to become a better investor in 2019. Be patient and learn from others. It’s very common for investors to have come excited, but have a strong game plan and keep your eyes open to new opportunities.

Please see About Me & Disclaimer for additional information about Black Tea.
Closing Disclaimer:

I am not a certified professional, nor responsible for any of your gains or loses. I’m simply a passionate stock investor who loves to share my experience with other women/men who want to learn general information about the market. May I encourage you to study and evaluate before you make any purchase or sale in the stock market. We are a participant in the Amazon Affiliate Services LLC program, an affiliate advertising program designed to provide means for us to earn fees by linking to Amazon.com and affiliated sites.

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Twist Bioscience: Investor Ready

  • TWST (Twist Bioscience Corp.) is set to have their first full year earning report today.

  • What are investors looking for?

  • Is it a buy in their competitive market?


TWST (Twist Bioscience Corp., $19.11) is a synthetic biology company that creates single-stranded and double-stranded DNA synthesis platforms to industrialize through biological engineering. The company also has a range of other products and services such as genetic testing, antibody library for drug discovery, and synthetic genes for cloning development.

(See bottom of article for Honest Review)

IPO (Initional Public Offering)

TWST opened it’s IPO on October 31st, 2018 with an opening share price of $14.00 in the NASDAQ Global Select Market. Despite the normal volatility of the new IPO, investors have their eye on TWST because healthcare related startups are currently in high demand

You can follow Twist Bioscience on Twitter.

According to BIO-Itworld.com, the global synthetic biology market is forecast to reach over $38 billion by the year 2020. Though this market is undergoing extensive research, TWST has opportunities to discover new treatments for genetic diseases, DNA storage, and genetic testing for early diagnosis. It’s apparent that there is plenty of expand for TWST to grow in the healthcare sector, however what does the company offer for it’s investors?

TWST currently delivers no dividends to its shareholders but is currently at a fair stock price under $20 (before opening bell of 12/19/18). With a 52-week high of $34.46 and low of $12.38, investors may have a buying opportunity if they are feeling lucky. There is a consensus EPS (earning per share) forecast of -$0.79 and regarding financials the company has plenty of debt. 

Earnings Report 12/19

The full year earnings report will be held today via conference call and audio webcast at 4:30pm eastern time. Financial results will be available for investors prior to the call on the company website at www.twistbioscience.com in “company” tab. You can listen to the call at (866) 688-0947 domestic or (409) 217-8781 international with conference ID 
8279646.

Honest Opinion

In my opinion, I believe TWST has plenty of room to grow. DNA sequencing and genetic testing will be very popular towards 2020 and with commonly used brands such as AncestryDNA and 21andMe, TWST may have a chance to succeed long-term. Though the company is under a pending lawsuit from Agilent (A), I will be paying close attention to how they manage their profits and R&D (research and development) expenses in their earnings review. The company’s largest customers are Microsoft (MSFT), Illumnia (ILMN), Applied Materials (AMAT) and private company start-up Ginko Bioworks. If the individual investor is completely confident in his or her investment choice with this company, he she is neither right nor wrong.

Please see About Me & Disclaimer for additional information about Black Tea.

Closing Disclaimer:

I am not a certified professional, nor responsible for any of your gains or loses. I’m simply a passionate stock investor who loves to share my experience with other women/men who want to learn general information about the market. May I encourage you to study and evaluate before you make any purchase or sale in the stock market. We are a participant in the Amazon Affiliate Services LLC program, an affiliate advertising program designed to provide means for us to earn fees by linking to Amazon.com and affiliated sites.

Additional Disclaimer:

This blog is not a paid advertisement from any financial institution or the owners from Twist Bioscience and I was not paid prior to writing this post.

Information Attained:

NASDAQ.com,Twistbioscience.com/InvestorRelations, Fool.com,Bio-Itworld.com

Johnson & Johnson: Damaged Forever?

Things aren’t looking good for Johnson and Johnson. What can we expect next?

  • Second time this year in 2018, JNJ (Johnson&Johnson) has been targeted for it’s knowledge of asbestos in its world-famous talc baby powder.
  • Will thse issue conintue to occur? Should investors be concerned for the company’s reputation?

JNJ ( Johnson & Johnson, $133.10) stocks tumbled down 10% Friday 14th, 2018 as the company has been handling their pressures of the public knowing of asbestos in it’s baby powder. Some investors are concerned for how the issue is going to be managed and if this will effect their next earnings report. Yet, other investors aren’t concerned since the company is vastly know for their award-winnning products and their loyalty to their customers. However, this is not the first time they been hit with public shame for asbestos this year.

What Happened?

 

July 12th, 2018, JNJ was also hot in the news for being sued by 22 women for receiving cancer and /or poisoning for asbestos found in their famous talc baby powder. But should JNJ be shamed for this? Does this make JNJ a bad company?

According to mesothelioma.com, Trelomite, also known as amphibole asbestos, is created in the same nature as talc. Tremolite is often found in the same mines as talc and without special quality testing, it can contaminate the talc. However, talc can not only be used in baby powder but chewing gum, oils, makeup cosmetics, hair products, and more.

Read: Tariffs: What Are They? How Are They Affecting My Portfolio?

JNJ’s lead attorney, Bart Williams had more to say on the issue,

Johnson & Johnson doesn’t believe it should be intimidated into removing a product that’s been out over 100 years, that has diapered hundreds of millions of babies around the world, simply because plaintiff lawyers have put a target on the back of Johnson & Johnson.We believe in the product. The product works. The product is beloved. The best scientists in America have reviewed it again and again.



Does this event make JNJ a bad company? Investors and customers still believe in the company and await its next press release.

Please see About Me & Disclaimer for additional information about Black Tea.

Information Attained:

CNBC.com, Mesothelioma.com, Factsabouttalc.com, Cnn.com

Christmas Gifts for Stock Investors

It’s that special time of year and Christmas will be here before you know it. Perhaps you are shopping for a gift for your friend who loves investing, but what do you give them besides money? We have a few ideas for you that may make this holiday season extra special.

Books Or Magazine Subscriptions

From stock analysis to mind-tugging economy books, there is always a great book that hasn’t yet been read.

However, if the investor doesn’t prefer reading from books, perhaps he or she would prefer a business magazine subscription. Magazines give quick visuals and snippets about what is happening in the economy.

Top Selling Investing Books

Popular Investing Magazines (select highlighted links)






You can also visit Magazines.com.

Stockpile 

Stockpile is a stock brokerage app that allows you to purchase gift cards in the form of a physical gift card or e-gift card that can be used to buy ETFs (exchange-traded funds) or fractional stock shares. The gift card can only be used towards the brokerage (unless stocks sold and money transferred to his or her bank account). Yet, the brokerage has no monthly fees and provides an option for the investor to reinvest their dividends if they chose to do so. Stockpile has low trading fees and is easy to use for those new to stock investing.

To find out more, visit Stockpile.com.

Stock Certificate

A stock certificate is a formal certificate representing the ownership the holder, select amount of shares owned, identification number and signatures and company seal. You can get a certificate by asking the company’s investor relations department directly, a stock brokerage, or a company called Give-A-Share.

An image example stock certificate

Give-A-Share can provide professional framing for authentic stock certificates. For additional information, visit giveashare.com.


Of course depending on what the investor wants it’s easy to ask, however, there is always something extra to give to make this holiday season extra special.


Please see About Me & Disclaimer for additional Information about Black Tea.

Closing Disclaimer:

I am not a certified professional, nor responsible for any of your gains or loses. I’m simply a passionate stock investor who loves to share my experience with other women/men who want to learn general information about the market. May I encourage you to study and evaluate before you make any purchase or sale in the stock market. We are a participant in the Amazon Affiliate Services LLC program, an affiliate advertising program designed to provide means for us to earn fees by linking to Amazon.com and affiliated sites.

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Estee Lauder: The Kind Of Beauty That Lasts Forever

Is Estee Lauder (EL) a stock for you? Find out what analysts are saying.


  • Are you looking for a growth stock to add to your portfolio?
  • EL is leading the pack in the beauty and cosmetics industry.
  • Find out now if EL is the right stock for you.

EL (Estee Lauder Companies Inc.,$140.12) is one of the world’s largest corporations that leads with products in skincare, makeup, fragrances and hair products. Bringing in $13 billion this FY (fiscal year of 2018), the stock is currently rated as a “buy” or “hold” by stock analysts. But what makes EL stick out from other corporations?

Acquisitions, Mergers & Investments

EL has acquired some of America’s most popular cosmetic brands in 2016- Too Faced cosmetics, Kilian fragrances, and BECCA cosmetics.

Read: Honest Review- Acorns Investing App

Dividends

So far this year the company has bought over 500,000 shares through their share buyback program and recent dividend payment was $0.38 per share (last effective date 8/30/2018).

EL compared their long-term growth to the S&P market in their recent 10Q filing:

“The returns are calculated by assuming an investment of $100 in the Class A Common Stock and in each index on June 30, 2013.”

The company also seeks out other methods of advertising through sponsoring brand ambassadors on social media.

While some investors see EL as a long-term growth stock, others see opportunities for options trading. Regardless, shareholders are expecting growth every quarter.

Please see About Me & Disclaimer for additional information about Black Tea.

Information Attained:

SEC.gov,Zacks.com

Honest Review: Acorns Investing App

Honest Review for one of the hottest investing apps on the market!

Image Credit


Acorns is a stock investing app that has many special features customized for the beginner investor. Its main selling point for customers is their specialized “round up” feature. If you connect your bank account to the app, they will monitor your personal bank account and round up every dollar spent and use the cents toward your stock account.

For example: If you bought a cup of coffee this morning that cost you $2.75, Acorns will round up to the nearest dollar to $3.00 and place the $0.25 cents towards your stock portfolio to be invested.

(Another example presented by Acorns to round up to $4.00)

Fees Involved

  • $1 a month for holding an account Acorns Core (standard). However, this feature is free for college students
  • $2 for Acorns Core + Acrons Later (standard account and retirements
  • $3 for Acorns Core + Acorns Later + Acorns Spend (standard account, retirement account, and Acorns exclusive checking account)
  • Additional fees may vary

Investments Allocated

Simplified, Acorns does all the work for you. When you sign up for a free account, you will be asked a few questions that will customize your investment portfolio. You will be able to choose your investing style from categories that range from conservative, moderate conservative, moderate, moderate aggressive, and aggressive. These customized stock portfolios will have a range of investments from government bonds and real estate stocks to corporate bonds and emerging market funds.

Image Credit


In my humble opinion…

This is a very simplified way to invest into your stock account, however, I didn’t make many purchases and I found that it was best for me to add my own money instead of using their automated feature.

Acorns use stock advisors form Vanguard and Blackrock to customize their managed portfolios. This is exceptional, however, Blackrock’s ETF’s at times has higher fund management expenses that may give your a less return from other ETFs.

Also, I prefer taking charge of my own investments and arranging my own stock portfolio. Acorns didn’t give me the liberty to add or take away any stocks.

This app is best for the new investor that doesn’t want to put a lot of time into studying the market. If you find yourself in the position with a very busy career or you find the stock market confusing but you still want to invest, this may be an application for you to try.

Please see About Me & Disclaimer for additional information about Black Tea.