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The Fed Reserve did it again; they played with our rates, and slashed them again… oh baby, baby. This time all the way down to a range of 0%-0.25%. The last time the rate were slashed this sudden, was in 2008. But what does this mean? And what even is the Fed Rate? I’ll tell you: Well, the “Fed Rate” is the interest rate that is set by the Federal Reserve. This can be related to something called the...

2018 was the year of resilience. We as a world were tested from one of the largest fires in California to the political climate all around the world. There was a mass shooting in Florida and we saw a group of young adults show us what resilience looks like. Finally, the finance world was tested, the whole investment world, especially in the United States, was taken for a ride. From FAANG (Facebook...

Ahhh! Adulthood – regular paychecks, eating meals that don't come in a Styrofoam cup, and the ability to, as Tom from "Parks and Recreation" would say, "Treat Yo' Self" But how much of your newfound income should you be saving? Are you spending too much? Are you investing it in the right places and growing it or just letting it sit? The suggestion is to always have at least 2-3 months worth of living...

1. You pull a Beyoncé and say job “bye” 2. Soon you get a call from HR 3. Asking what you want to do with your 401K 4. You don’t know and think about it 5. You talk to your financial adviser who gives you an idea 6. To do something called a “rollover” 7. You take your 401K money and “roll” it over directly into an IRA account without paying any penalties #loophole 8. You feel blessed because you have...

1. You hear some news come out about a company on the market 2. You tell your news to your friend, who in return, tells more people 3. Researchers look into the company and they start to notice the price swaying based on the news 4. Finally, you realize that all the information available to you is having a direct effect on the market price 5. And the stock price goes up and down based on the news out...

2017 was the year of hope, the year of compassion. We as a world experienced natural disaster from hurricanes in Florida to fires in California. We reached out to help one another in times of crisis, to come together as one and choose not to be separated. We lost legends like Tom Petty, Roger Moore, and Chris Cornell. The entertainment world was filled with shockers like Taylor Swift dropping her new...

Let us break this down: 1. You buy 100 shares of a stock 2. Stock takes off and appreciates 3. After some time you sell the stock 4. The US Government arrives 5. Takes a share of your profits 6. Equals Capital Gains Tax Now, lets piece it together: first, you buy 100 shares of a stock and it makes a profit for you over some time, later, you sell the stock and the US Government comes in and takes a...

1. You buy a security 2. This security follows a currency 3. Soon when that currency goes up 4. The value of your security will go up 5. This all equals derivatives Let’s break this down You are searching for alternative investments and you think about getting into this security that follows the price of a currency, so when the currency value goes up, the security itself will go up as well. As well...

Let's break this down Two people fall in love They get married Have a baby Add college All equals a 529 Plan Now let's piece that together, when two people fall in love and have a baby it is smart to open up a “529 Plan” for their college education. With the cost of college rising 5-7% annually, we can expect college to be $250,000 and up in the next 10 years. There has been a major push to try to...

1. You receive a paycheck monthly 2. You start to think, how you should be using that money 3. You consult with a professional 4. Who tells you about the idea of the 50-30-20 5. 50% goes to living, eating, drinking and going out 6. 30% goes to rainy day fund 7. 20% goes to investments 8. You feel like a smart nerd 9. This all equals the 50-30-20 Rule Let us break this down You receive money monthly...

Let us break this down 1.A bunch of investors give money to an organization 2.Who uses that money to purchase buildings 3.On a certain date, money is passed back to the investor 4.This all equals a REIT Now let us piece this together; first, a bunch of investors give money to an organization, (like crowd-sourcing). Now that organization uses that money to purchase buildings, usually in a specific area...

1. You have a company that is valued over $10 Billion in the market 2. You have a company that is valued at over $2 Billion but under $10 Billion in the market 3. You have a company that is valued at anything under $1 Billion The Keys To Understanding The value is determined by something called Market Capitalization; this is calculated by multiplying the number of shares that are out in the market...