1. Personal Finance 103 - Investing
Wednesday, November 14, 2018
Tips and resources for investing

2. Who is this? ©2006 i.c.stars. All Rights Reserved.
Wednesday, November 14, 2018

3. Warren Buffet and Berkshire Hathaway provide a roadmap
Each year, Buffet writes a letter at the beginning of the annual report targeted for nOObies
1 share of BRK in 1990 grew from $6,000 to $110,000 today
©2006 i.c.stars. All Rights Reserved.
Wednesday, November 14, 2018

4. What is the stock market?
People buy and sell shares/ownership in publicly traded companies
There are two types of people in the market
Speculators
Investors
Two ways to make money investing in companies
Dividends
Share price appreciation
©2006 i.c.stars. All Rights Reserved.
Wednesday, November 14, 2018

5. Dividends can be good for you as an investor
What are dividends?
Dividends are payments made to investors out of a companies annual profits.
They are akin to owning your own business and taking the profit out at the end of the year instead of reinvesting it in more capacity to grow the company
Dividends can be good for you as an investor
Profit is realized vs. “potentialized”
Can supplement income
Tax rates on dividends have come down
©2006 i.c.stars. All Rights Reserved.
Wednesday, November 14, 2018

6. How to analyze a stock?
The Basic Stock Analysis spreadsheet is one method of prioritizing different properties of a company and deciding whether to buy, hold, or sell a stock
©2006 i.c.stars. All Rights Reserved.
Wednesday, November 14, 2018

7. Exchange Traded Funds (ETF) Stocks
Ways to invest
Mutual Funds
Exchange Traded Funds (ETF)
Stocks
©2006 i.c.stars. All Rights Reserved.
Wednesday, November 14, 2018

8. Setup 401K account and invest in mutual funds
How to start?
Setup 401K account and invest in mutual funds
Setup account with mutual fund and have money automatically invested every month ($50/month)
Setup Roth IRA account and invest in ETFs and Stocks
©2006 i.c.stars. All Rights Reserved.
Wednesday, November 14, 2018