To Bitcoin or Not to Bitcoin

To Bitcoin or Not to Bitcoin

If you’re thinking about getting on board an exciting and hot opportunity like bitcoin, then keep reading.

The following story will make you recognize the difference between a life of incredible wealth… or crushing debt.

Mr. Smith “not his real name” told his story to Forbes few years ago.

He had about $2.6 million worth of bitcoin. And on the ride up, he had cashed out $25 million.

On the other hand, from South Korea, resident Kim Hyon-jeong did give her name to the New York Times.

Her story was different and much more unlucky.

Mr. Smith was a software engineer with an interest in the technology behind bitcoin.

In 2010, he witnessed bitcoin’s price soar from $0.008 to $0.08 in less than a week.

Something that attract his attention, he bought $3,000 worth of bitcoin at a price of $0.15.

As you know, the price skyrocket to more than $19,000 in December 2017.

But Mr. Smith didn’t make that full return.  He had been selling all the way up. He cashed out some at $350, more at $800, and so on.

Unfortunately, on the other side of our story, Ms. Kim took a different approach to her investment in bitcoin.

She is 45-year-old teacher with a child,

she put about $90,000 into cryptocurrencies.

It wasn’t just her savings either. She cashed in an insurance policy and took out a loan for $25,000. As she described it…

As she said:

I thought cryptocurrencies would be the one and only breakthrough for ordinary hardworking people like us.

I thought my family and I could escape hardship and live more comfortably, but it turned out to be the other way around.

The value of her investment was down 90% as of August 2018.

One of these investors is a success, and one a failure.

Actually, it is not about the timing,

When Mr. Smith got in at $0.15, he had already seen bitcoin soar 1,775% in the previous six months or so…

and it would drop nearly 50% just a few weeks after he purchased.

Bitcoin was a new and untested asset. It would have been crazy to predict that bitcoin would go on to shot to the moon higher from Mr. Smith’s purchase price.

Ms. Kim invested later, in the fall of 2017, during a time when bitcoin was front-page financial news around the world.

Yet with such a wild and unpredictable asset, both speculations could have made money.

The difference here is that Mr. Smith bet a lot smarter.

He invested a small amount for a successful professional.

The technology got him excited, but he only invested a small bet.

He also locked in gains along the way, taking some money and risk off the table as the rest of his investment continued to grow.

You can do this in a lot of ways.

For instance, you might sell half of an investment once it reaches a 100%.

Meanwhile, Ms. Kim did the bet completely wrong.

She put 30 times more into her bitcoin bet than Mr. Smith did.

Worse, she borrowed money she didn’t have.

So, here is what I suggest.

Bet, but bet small. And don’t jump blindly. Don’t take high risk. Don’t borrow money to invest.

The Best Way to Create Wealth from The Stock Market

The Best Way to Create Wealth from The Stock Market

Do you know what’s the best way to create wealth from the stock market?

The answer lies in long-term investing.

I know that everyone wants to see their investment generate huge returns instantly…

But, that’s not how the stock market works.

You need to give your investments time in order to grow and create wealth for you.

Patience is  the key and holding on to your investments definitely pays off in the long run given that you have invested the right way.

Having a long-term mindset when it comes to investing is the only way to succeed as an investor. Investing as Warren Buffet said, it is simply but not easy.

In order to create real wealth from the market, you need to know how the stock market actually works.

Before investing your hard-earned money into the stock market, you need to have a solid understanding of fundamentals and a robust strategy in place that can help you ride out market bumps and create real wealth in the long run.

Trust me, when you know WHAT, HOW, and WHEN to invest, the stock market can be highly rewarding.

Also, if you’re interested in learning more about investing in the stock market and want to be successful investor, I prepared few resources below:

 

  • If you want to learn about the safest investment vehicle “Exchanges Traded Funds”, I prepare a FREE guide for you, Click Here to Download.

 

  • And if you are ready to take the first step, and invest in yourself, enroll in my course “Investing For Beginners: How To Invest With Confidence”  HERE.

———

And here is what others said about the course?

Dr. Wafaa has shared her personal knowledge and expertise and provided the necessary information to start the investing journey based on a solid foundation. Her style in teaching made it very easy to grasp the concepts and understand the information being provided.
The course contains excellent information and working tips that you can use in building your confidence as an investor. The workbooks provided during the course are a very helpful tool and will continue to be a great handy reference for future use. I am really grateful to Dr. Wafaa for this excellent course and I highly recommend it to everyone. It is really worth the investment paid for it.
Mohammad Adnan Taibeh, Head of Economic Optimization

The Course was a very informative, suitable for people who just started out or willing to start investing in the US Stock Market. The course covers a lot of investment principles and how to manage your risk. I would recommend people who would want to learn about the stock markets and finance in general and also people already have knowledge on this field.
Abdallah Al Alban, Financial Researcher

The course is very professional in the true sense. The course content was distinctive, smooth, and at the same time rich in important and updated information. Starting from explaining the simplest steps that help any beginner to go through the experience with confidence, passing through daily updates of the most important tools and sites that can be used. I highly command the course, it includes everything you need to start your investing journey. I would really regret it if I missed the course!
Abdallah Al-Ansary, Language and development trainer

I would like to share my opinion and let you know about the course that I do really benefited and learned the basics of investing.  I’m glad I decided to take it with Dr. Wafaa specifically for the simplicity of that course and how she made it so easy. It’s really great how you feel excited and confident when you learn about investing before you start. You will learn how to start investing with confidence and manage your investments. I am thankful for the efforts. Khuloud Al-Amer, Internal Auditor

This course gave me the confidence to take this step on my investing Journey. It was the missing piece in the puzzle for me. It had all of what I needed as a beginner, and the best thing about it is that it literally starts you off from scratch, it builds the theory of investing in your mind without prior knowledge required.  This course completely changed the way I view investing.  It taught me a lot of stuff, from what type of investor I am to invest correctly.  It’s incredible how this course helped build my confidence as an investor. I’ll always remember this course as my stepping-stone towards investing, and hopefully a stepping-stone towards success. Mishary Al-Roudan

The course was simple, yet powerful. It provided me with just the required information to make informed decisions. The application of the content was very easy to navigate. Dr. Wafaa craftily made the sections in bite sizes so it was manageable content and could be finished at my pace. I was exceptionally pleased with the course. I definitely would recommend this to others! Shirley Marshall Sullivan,

So, take that first step and start your investment journey HERE.

Financial Lessons from Michael Jackson and Mike Tyson

Financial Lessons from Michael Jackson and Mike Tyson

Michael Jackson, the king of Pop who reportedly signed a recording contract worth almost $1 billion and sold more than 750 million records.

He was amazing at making money, if you are like most people you think with this amount of money, you can live for good rich, there is no way to have any financial problem.  Unfortunately, this was not the case with Michael.

Can you imagine that he was forced to the brink of bankruptcy in 2007 when he was unable to pay back a $25million loan?

He was spending money like he would never run out until he finally did.

At his death at 2009 he reportedly owed more than $300million.

Another example,

The former heavyweight champ Mike Tyson, who made more money in his time than any other boxer in history nearly half billion dollars, he was spending like there is no tomorrow, buying like crazy, wild life style, led to his bankruptcy.

In an interview in 2010, he said: “I am totally broke, it is just happened.”

Do you think any of these two examples imagined a day when the money would stop flowing? do you think they even considered preparing for such a day?

Furthermore, do you know what percentage of lottery winners waste all of their earnings within few years? About 70%.

What do these people lack?

They have no clue on how to manage money.

People without money management skills often make poor financial decisions, regardless of how much money they have.

No matter how much you earn, if you don’t know how budget, save smartly, spend wisely and how to grow your money, you will lose it all.

Here are few tips that can help you improve your money management skills:

1.Get organized

Know your basic expenses “fixed expenses”, and “variables expenses”. Write everything you spend money on over month or two months and at the end, instead of categorize them, you do one simple test, take out highlighter, highlight everything you spend money on didn’t not bring you joy, you will find there number of thing you spend money.

So instead of thinking of budget as deprivation you can switch your mind towards joy optimization, because you are spending your life energy you want to squeeze as much joy out of it.

2.Get clear

Know where you are currently standing financially and where want to be, most people do not know.

Have specific measurable goals and achievement date.

“If you don’t know where you are going you will end up nowhere.”

When you are truly on purpose, people, resources, opportunities, gravitate towards you.

3.Get consistent

Don’t just put numbers on paper, identify actions you can do every day.

Replace old habits by new ones. Stick to the process even if you mess up.

Tony Robins said: “it is not what you do once that shape our lives, but what we do consistently.”

4.Get positive

Disassociate your happiness with spending money on immediate pleasures.

Differentiate between needs and wants.

A true need is something you must have for survival such as: food, electricity, gaz, water, clothes, shelter.

A want is something that is not essential to survival, but you would like to have such as: designer clothing, cosmetics, and brand shoes and bags.

Although it is trivial but mapping a concrete example of each will help you navigate through your emotions when making purchasing decisions.

The confusion can arise when we are not sure if something is a need or want.

“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.” Will Smith

Next time if you want to buy something, ask yourself:

If it is not a clear YES then it is a clear NO.

The statement is powerful to save time and money, you might want to use it any time you have options to purchase.

Let me remind you that it is not bad to have wants or to spend money on wants.

Yet, you cannot prioritize your wants if you are classifying your wants as needs.

Always remember,

Money is not about being rich, it is about enriching your life

Financial education is lifelong process. You do not have to be genius to take part in this process, you have to be ready, take action and be able to learn.

If you want to start your financial education journey and be financially empowered to secure your financial future, grap a copy of my book “What They Don’t Teach You In Schools about Money” HERE

What others said about the book?

The title of the book says it all; the content of the book truly does explain life changing concepts and things they do not teach you in schools. It made me come to a realization that this would be a great class to have in a university, not just for finance majors but for all majors.

Dalal Ali

The book has cleared the age old myths and psychology revolving around attaining money and success.
It is extremely educative about the various forms of investment and market risks.
The book truly “teaches everything they don’t teach in school about money”.
Thank you Dr. Wafaa once again, for being so kind as to sharing your valuable knowledge in a nutshell with all of us. I feel the book needs to reach a wider group of readers.
 
Tina Noronha

Dr. Wafaa I just wanted to say that book is such an amazing, well written book, it really made me take a look at my spending and changed my mindset and much more its officially my favorite book!

Ghada Beshara

5 Rules of Successful Investing

5 Rules of Successful Investing

Wafaa, I’m just trying to get all this stuff figured out,” my friend Sara told me. She’s just starting out in investing.

“I’m paralyzed,” she said. “I don’t know what to do. I’m reading everything… But I’m not actually doing anything with my money.”

“Sara, you’re doing the right thing,” I said. “Learning first – and not doing anything stupid with your money – is exactly the right thing to do.”

Sara is not alone…

I’m sure many of you in a similar situation.

So, I’m going to cover some of the important basics of successful investing.

These are helpful for both beginning and seasoned investors… They’re a great reminder about the most important things to understand when it comes to the market.

 1. You aren’t going to get rich overnight through investing.

A proper investment is one that has at least a five-year horizon.

Said another way…

Any investment that can double your money in a month is likely risky.

You could lose all your money just as quickly.

If you don’t adjust your thinking in line with this, chances are you’ll end up losing a lot of money.

Ignore what’s happening right now.

The market moves today are not relevant to your long-term goals.

People who want the daily excitement of winning or losing end up gambling and that’s a sure way to lose money.

2. Don’t invest in something you don’t understand.

One of the fastest ways to lose money is to put your funds into something you don’t really understand.

It’s easy to get dazzled by promises of big profits.

It’s even easier to get sucked in when the promises are accompanied by slick brochures and fast talk with a lot of words that you don’t understand.

If you don’t understand how you’ll make money on the investment, and you can’t point out your risks, you are not ready for that investment.

3. Don’t put all your eggs in one basket.

Don’t put your entire net worth in one property.

And make sure you spread your stock holdings around as well by first investing in funds that hold a bunch of stocks.

4. History repeats – or at least it rhymes.

It’s amazing how investors never learn that history repeats. The 2007-2008 bust in property prices is a good example.

In 2006, people thought property prices could never go down.

Two years later, people thought property prices can never go up.

5. Nobody will care more about your finances than you.

This is critical for you to embrace, immediately.

Nobody is going to care more about your finances than you.

You can’t just find somebody smart and hand your money responsibilities off to them.

You can’t just hand off your life and hope it goes OK – this is your life we’re talking about!

The quicker you take ultimate responsibility for your money, the quicker you will start building your fortune.

And you can’t ever give up that responsibility.

It is all right to work with smart people, and to delegate some of your money responsibilities to carefully chosen people. The important part is, you just can’t “check out.” You have to be the team captain here, the captain of your money.

Also, if you’re interested in learning more about investing in the stock market and want to be successful investor, then you should check out my FREE EBOOK that features the top books every investor should read.

Click here to download the Top Books That Every Investor should read

And if you are ready to take the first step, and invest in yourself, enroll in my course “Investing For Beginners: How To Invest With Confidence”  HERE.

What others said about the course?

Dr. Wafaa has shared her personal knowledge and expertise and provided the necessary information to start the investing journey based on a solid foundation. Her style in teaching made it very easy to grasp the concepts and understand the information being provided.
The course contains excellent information and working tips that you can use in building your confidence as an investor. The workbooks provided during the course are a very helpful tool and will continue to be a great handy reference for future use. I am really grateful to Dr. Wafaa for this excellent course and I highly recommend it to everyone. It is really worth the investment paid for it.

Mohammad Adnan Taibeh, Head of Economic Optimization

The Course was a very informative, suitable for people who just started out or willing to start investing in the US Stock Market. The course covers a lot of investment principles and how to manage your risk. I would recommend people who would want to learn about the stock markets and finance in general and also people already have knowledge on this field.

Abdallah Al Alban, Financial Researcher

The course is very professional in the true sense. The course content was distinctive, smooth, and at the same time rich in important and updated information. Starting from explaining the simplest steps that help any beginner to go through the experience with confidence, passing through daily updates of the most important tools and sites that can be used. I highly command the course, it includes everything you need to start your investing journey. I would really regret it if I missed the course!

Abdallah Al-Ansary, Language and development trainer

I would like to share my opinion and let you know about the course that I do really benefited and learned the basics of investing.  I’m glad I decided to take it with Dr. Wafaa specifically for the simplicity of that course and how she made it so easy. It’s really great how you feel excited and confident when you learn about investing before you start. You will learn how to start investing with confidence and manage your investments. I am thankful for the efforts.

Khuloud Al-Amer, Internal Auditor

 This course gave me the confidence to take this step on my investing Journey. It was the missing piece in the puzzle for me. It had all of what I needed as a beginner, and the best thing about it is that it literally starts you off from scratch, it builds the theory of investing in your mind without prior knowledge required.  This course completely changed the way I view investing.  It taught me a lot of stuff, from what type of investor I am to invest correctly.  It’s incredible how this course helped build my confidence as an investor. I’ll always remember this course as my stepping-stone towards investing, and hopefully a stepping-stone towards success.

Mishary Al-Roudan,

The course was simple, yet powerful. It provided me with just the required information to make informed decisions. The application of the content was very easy to navigate. Dr. Wafaa craftily made the sections in bite sizes so it was manageable content and could be finished at my pace. I was exceptionally pleased with the course. I definitely would recommend this to others!

Shirley Marshall Sullivan,


So, take that first step and start your investment journey HERE.

You Don’t Need to Be Wealthy to Start Investing

You Don’t Need to Be Wealthy to Start Investing

Do you feel that you don’t have enough money to invest in the stock market?

Are you waiting for the right time to start investing?

Do you Know that you can make $100,000 by only investing $500 monthly.

Sounds too good to be true, right?

I want to tell you that this is possible in the stock market and if you invest in one of the Exchange Traded Funds (ETFs).

With the help of “Dollar cost average strategy” or also known as a DCA, you can make small monthly investments and build up a huge amount over time.

Plus, the magic of compounding helps in the overall process of wealth creation.

For example, if you invest $500 every month into a stock market index like the S&P 500

(The S&P 500 has an average annualized return of around 10-15%)

After 10 years of investing, your portfolio would be worth about $140,000!

This is a huge amount of money considering you only invested $500 every month.

Here are 4 ETFs examples and their returns as of 2021:

 Vanguard S&P 500 ETF VOO

Return % (as of 07/31/2021)

1-Year +36.42%

5-Year +17.31%

10-Year +15.31%

Since Inception +15.94%

Health Care Select Sector SPDR® Fund XLV

Return % (as of 07/31/2021)

1-Year +27.13%

5-Year +13.87%

10-Year +16.47%

Since Inception +9.40%

Technology Select Sector SPDR® Fund XLK

Return % (as of 07/31/2021)

1-Year +40.05%

5-Year +28.72%

10-Year +21.42%

Since Inception +8.70%

iShares Core S&P Total U.S. Stock Market ETF ITOT

 Return % (as of 07/31/2021)

1-Year +38.87%

5-Year +17.34%

10-Year +15.19%

Since Inception +10.25%

Do you still feel that you DON’T have enough money?

The stock market can be highly rewarding when you do it RIGHT.

That’s why NOW is the best time to start investing.

To help you start, I prepare a new FREE guide for you, Click Here to Download.

And if you are ready to take the first step, enroll in my course “Investing For Beginners: How To Invest With Confidence”  HERE.

So, take that first step and start your investment journey today!

———–

What others said about the course?

Dr. Wafaa has shared her personal knowledge and expertise and provided the necessary information to start the investing journey based on a solid foundation. Her style in teaching made it very easy to grasp the concepts and understand the information being provided.
The course contains excellent information and working tips that you can use in building your confidence as an investor. The workbooks provided during the course are a very helpful tool and will continue to be a great handy reference for future use. I am really grateful to Dr. Wafaa for this excellent course and I highly recommend it to everyone. It is really worth the investment paid for it.
Mohammad Adnan Taibeh, Head of Economic Optimization

The Course was a very informative, suitable for people who just started out or willing to start investing in the US Stock Market. The course covers a lot of investment principles and how to manage your risk. I would recommend people who would want to learn about the stock markets and finance in general and also people already have knowledge on this field.
Abdallah Al Alban, Financial Researcher

The course is very professional in the true sense. The course content was distinctive, smooth, and at the same time rich in important and updated information. Starting from explaining the simplest steps that help any beginner to go through the experience with confidence, passing through daily updates of the most important tools and sites that can be used. I highly command the course, it includes everything you need to start your investing journey. I would really regret it if I missed the course!
Abdallah Al-Ansary, Language and development trainer

I would like to share my opinion and let you know about the course that I do really benefited and learned the basics of investing.  I’m glad I decided to take it with Dr. Wafaa specifically for the simplicity of that course and how she made it so easy. It’s really great how you feel excited and confident when you learn about investing before you start. You will learn how to start investing with confidence and manage your investments. I am thankful for the efforts.
Khuloud Al-Amer, Internal Auditor

This course gave me the confidence to take this step on my investing Journey. It was the missing piece in the puzzle for me. It had all of what I needed as a beginner, and the best thing about it is that it literally starts you off from scratch, it builds the theory of investing in your mind without prior knowledge required.  This course completely changed the way I view investing.  It taught me a lot of stuff, from what type of investor I am to invest correctly.  It’s incredible how this course helped build my confidence as an investor. I’ll always remember this course as my stepping-stone towards investing, and hopefully a stepping-stone towards success.
Mishary Al-Roudan,

The course was simple, yet powerful. It provided me with just the required information to make informed decisions. The application of the content was very easy to navigate. Dr. Wafaa craftily made the sections in bite sizes so it was manageable content and could be finished at my pace. I was exceptionally pleased with the course. I definitely would recommend this to others!
Shirley Marshall Sullivan,

So, take that first step and start your investment journey HERE.

3 Key Questions to Ask Before You Buy a Stock

3 Key Questions to Ask Before You Buy a Stock

Peter Lynch, the legendary investor, famously advised investors to spend at least as much time researching a stock as they would choosing a new refrigerator.

But all too often, this doesn’t happen.

For a fridge or whatever household appliance, the process is often something like this: thinking of top sellers in the area, comparing between different brands in the market, shopping around for the best deal… and then finally buy.

You don’t have to be a refrigerator expert to buy a fridge. But most people take time researching before getting to the “buy.”

For many people, though, it’s different for stocks, even though you spend on buying a stock more than you spend on a fridge and the potential for loss is much higher.

It usually works something like this: Uncle Joh’s friend’s colleague’s neighbor said the shares of XYZ company might go up… then you quickly click buy.

Part of the problem, why some most people don’t take Lynch’s advice, is that it’s difficult to know where to start when researching a stock and what questions to ask.

So, what follows are 3 questions to begin with when you’re thinking of buying a stock to start you off:

1. Is the company has “Meaning” to You?

What do we mean when we say invest in something has meaning to you?

It means something you understand. Warren Buffett calls this “Circle of Competence”.  You have to focus your attention on industries you understand and that you are comfortable with.  May be you ask, how can I find a business I understand and in my circle of competence?

There are different ways, look around you, look at the products in your fridge, look at the products and services you use at your home and work.  There are many well-know and well-established companies behind these products, you may consider them as an investment opportunity.

Or you may ask yourself, what do you love to do?

It should have some relation to your passions in life, your talents, what businesses that you will enjoy researching and following.

For example, if you’re a biochemist, you might understand what a pharmaceutical company does in a way that most people can’t. If you’re a financial analyst, reading a bank’s balance sheet might be easier for you than boiling water.

Use whatever special insight and expertise you have to your advantage. Whether you’re a rocket scientist or a truck driver, stick to what you know and what you can understand.

Warren Buffett has a folder for companies that are too difficult. You should have a folder like that in your mind.

He said once: “It is a terrible mistake to believe that you need to have an opinion about everything. You only need to have an opinion about a few things.  You need to imagine that you have a punch card with twenty holes. And that is all you can invest in throughout your life. You don’t even need twenty. You just need four or five to make you very rich throughout your life.”

2. Is the company has competitive advantage “Moat”?

A Moat is water around the castle, but in business terms is a durable competitive that company has to protect it from other competitors.

Moats take different types such as brand, secret, price, patents. Also, you can look at few metrics that can give the company a moat, such as growth in sales and revenues, earning per share net income and operating cashflow. The consistent growth in these metrics give the company a wide moat.

3. Is the company has reliable “Management”?

A company is only successful as the people running it, you would not board a ship with a captain you do not trust.  Similarly, you shouldn’t invest in a company whose leadership you do not trust.

You need to check on the leader background, paying close attention to the integrity and success of their prior decisions, listen to how the management talks about the successes of the business.

We want to make sure that they have reliable, experienced management, because their decisions can make or break our investment.

These questions or the 3Ms (Meaning, Moat and Management) are only the first steps in figuring out whether a stock is worth adding to your portfolio.

After all, a fridge will keep your food stay fresh, but won’t make you money. A good stock, though, could make you enough money to buy a lot more fridges.

 

If you’re interested in learning more about investing in the stock market and want to be successful investor, then you should check out my FREE EBOOK that features the top books every investor should read.

Click here to download the Top Books That Every Investor should read

A Simple Number Tells You If the Stock You Own is Worthless

A Simple Number Tells You If the Stock You Own is Worthless

Is there a secret to find the great stock?

The answer is no, there are no secrets… but there is a process and there are steps, you just need to learn about them.

And like any other learning experience, it is a mix of trial and errors, intuition, and bit of luck.

After learning for few years, I arrived to a process to find great stocks.

So, what’s this financial key?

Simply put, I want a business with positive and reliable free cash flow.

Free cash flow is all the excess cash profit left over after a business pays all its expenses and taxes and after it reinvests enough cash to maintain and grow the business.

Remember, when you buy a stock, you’re buying a piece of a business.

It’s not a debt, and it’s not a preferred stock.

It’s equity.

And equity is a “residual claim” on the earnings of a business.

“Residual” just means the equity holder doesn’t get paid until everybody else gets paid. This is really important.

What does that mean?

It means, there’s nothing left over for equity holders until all secured and unsecured creditors, salary and wage earners, taxes, and preferred stock holders all get paid.

Only after all these obligations are met, you, the equity holder, expect your shares to be worth anything.

In fact, excess cash flows are the one thing that give your stock nearly all of its value.

It makes sense, right?

 

This is what makes a business valuable:

 

The ability to generate lots of extra cash.

Without excess cash, your shares are worthless.

Free cash flow is easy to find.

All you do is go to the cash flow financial statement

“cash flow” section,

and subtract “capital expenditures” from “operating cash flow.”

Sometimes operating cash flow is called “cash from operations”

or “net cash from operations.”

And sometimes, capital expenditures are called

“additions to property and equipment” or something similar.

Take software giant Apple (AAPL), for example in 2021,

Here’s how I calculate Apple’s free cash flow:

Cashflow from operations is $104 billion.

Let’s subtract $11 billion for additions to property and equipment.

This equals $93 billion.

That’s a lot of free cash flow.

Very few businesses generate as much free cash flow as Apple.

What’s interesting is most people have no idea how important this financial key is, so they’re unable to understand what an amazingly good business Apple really is right now.

To sum up:

1- Free cash flow is all the excess cash left over after a business pays all its expenses and taxes and reinvests enough to maintain and grow itself.

2- Free cash flow is important because it’s the amount of excess cash available for creating shareholder value, which is how you make the most money.

3- Free cash flow = cash from operations minus property and equipment spending. Both those numbers are on the cash flow statements inside a company’s quarterly and annual reports.

If you’re interested in learning more about investing in the stock market and want to be successful investor, then you should check out my FREE EBOOK that features the top books every investor should read.

Click here to download the Top Books That Every Investor should read

You Can Be a Stock Market Genius

You Can Be a Stock Market Genius

Do you like to be a stock market genius?

You can be one if you’d like!

Confused?

I’m actually talking about the book “You Can Be a Stock Market Genius” By Joel Greenblatt.

Have you read it?

It is a must-read book for everyone who wants to be successful investor.

“You Can Be a Stock Market Genius” is a comprehensive and detailed guide on the stock market that written by a successful fund manager.

It helps the reader find “Special Situations” in the stock market.

Throughout the book, you’ll find useful insights into how you can invest in special market situations and achieve above-market returns.

Joel Greenblatt explains why having a basic set of rules that one needs while investing in special situations is necessary.

Reading this book will help you to be independent thinker when it comes to investing, believe in your own work, not to trust the noise out there, and have faith in your own analysis.

The book is filled with several case studies that’ll help you understand why special situations in the stock market can help you find your next 2x, 5x, or even 10x investment.

Knowledge is power and stock market is not an exception,

Reading books is the best way to gain knowledge and learn from highly experienced individuals who’ve seen it all in the market.

Also, if you’re interested in learning more about the stock market and want to get better at investing, then you should check out my FREE EBOOK that features the top books every investor should read.

Click here to download the Top Books That Every Investor should read

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And if you are ready to take the first step, and invest in yourself, enroll in my course “Investing For Beginners: How To Invest With Confidence”  HERE.

What others said about the course?

Dr. Wafaa has shared her personal knowledge and expertise and provided the necessary information to start the investing journey based on a solid foundation. Her style in teaching made it very easy to grasp the concepts and understand the information being provided.
The course contains excellent information and working tips that you can use in building your confidence as an investor. The workbooks provided during the course are a very helpful tool and will continue to be a great handy reference for future use. I am really grateful to Dr. Wafaa for this excellent course and I highly recommend it to everyone. It is really worth the investment paid for it.
Mohammad Adnan Taibeh, Head of Economic Optimization

The Course was a very informative, suitable for people who just started out or willing to start investing in the US Stock Market. The course covers a lot of investment principles and how to manage your risk. I would recommend people who would want to learn about the stock markets and finance in general and also people already have knowledge on this field.
 Abdallah Al Alban, Financial Researcher

The course is very professional in the true sense. The course content was distinctive, smooth, and at the same time rich in important and updated information. Starting from explaining the simplest steps that help any beginner to go through the experience with confidence, passing through daily updates of the most important tools and sites that can be used. I highly command the course, it includes everything you need to start your investing journey. I would really regret it if I missed the course!  
Abdallah Al-Ansary, Language and development trainer

So, take that first step and start your investment journey HERE.

——————————–

If you want to increase your financial awareness and be financially educated to secure your financial future, grap a copy of my book “What They Don’t Teach You In Schools about Money HERE

What others said about the book?

The title of the book says it all; the content of the book truly does explain life changing concepts and things they do not teach you in schools. It made me come to a realization that this would be a great class to have in a university, not just for finance majors but for all majors.

Dalal Ali

The book has cleared the age old myths and psychology revolving around attaining money and success.
It is extremely educative about the various forms of investment and market risks.
The book truly “teaches everything they don’t teach in school about money”.
Thank you Dr. Wafaa once again, for being so kind as to sharing your valuable knowledge in a nutshell with all of us. I feel the book needs to reach a wider group of readers.
 
Tina Noronha

Dr. Wafaa I just wanted to say that book is such an amazing, well written book, it really made me take a look at my spending and changed my mindset and much more its officially my favorite book!

Ghada Beshara

Be Careful Who You Trust, Be Suspicious When It Comes to Your Money

Be Careful Who You Trust, Be Suspicious When It Comes to Your Money

Have you heard before that 225,000 people have died “Iatrogenic deaths?”

According to the journal of the American Medical Association it is the third largest cause of death in the United States, Iatrogenic.

What does this word mean? Is it rare disease? Is it genetic mutation?

No, it is actually referring to an inadvertent death caused by a doctor or a hospital or incorrect or unnecessary medical procedure.

Why they don’t say so?

Because it does not serve a medical institutions interest to put it in plain language so average person can understand.

Same thing is applied o financial world,

For example, financial industry, charge you different fees, mutual funds one of them, they charge different types of fees,

you don’t know and it will be impossible for you to understand they are taking much more than you would ever imagine.

Why the financial industry or the financial advisor does not serve your best interest, lot of money should be yours, but they take it.

You have to understand that there is conflict of interest, most financial advisors paid more or less depend on how much you invest, they paid commission or bonus based on your investment.

I  lost lot of money from investing my money with the wrong people in the wrong deals and I do not want you to be in the same place.
Particularly, I invested with an individual who repeatedly told me: “You Can Trust Me.”

If someone is always rushing to tell you they’re trustworthy, it’s a sign they’re probably anything but.

As Robert Kiyosaki said:
“Safeguard your money, the world out there to take your money. Those people are smart, very well trained on how to persuade and convinced you, they are more powerful than you, so they can easily take your money, they are cute ad cudly. You have to know that thieves are not only those stole precious things and criminal in prisons, in real worlds they take different types.”

I am not here to scare you, but I want you to increase your financial awareness to see what is going on behind the scenes.

It is good to listen to other people investment ideas, but never let them convince you to get involved before doing your own research.

Here are few tips:

1- Never invest without a contract in place and be careful who you trust.

2- Check out their claims by looking online, reading about the company and talking to trusted advisors.

3- Be careful of someone calling you with lot of promises or begging you to invest in a sweet deal. These types of people are trying to stir up your emotions by selling you an improbable dream. Don’t let that happens to you.

4- Be aware of Ponzi scheme, it is an investment fraud where people invest and their return on the investment is paid from the money of new investors. So, people who invested in first were paid their return using the investment money from people who invested in the second year. A lot of people lost their life savings in this scheme.

Get rich quick scheme are a dime a dozen.

Don’t buy the theory: this is how life is, life is unfair, find the way to make it fair!

If you want to increase your financial awareness and be financially educated to secure your financial future, grap a copy of my book “What They Don’t Teach You In Schools about Money HERE

What others said about the book?

The title of the book says it all; the content of the book truly does explain life changing concepts and things they do not teach you in schools. It made me come to a realization that this would be a great class to have in a university, not just for finance majors but for all majors.

Dalal Ali

The book has cleared the age old myths and psychology revolving around attaining money and success.
It is extremely educative about the various forms of investment and market risks.
The book truly “teaches everything they don’t teach in school about money”.
Thank you Dr. Wafaa once again, for being so kind as to sharing your valuable knowledge in a nutshell with all of us. I feel the book needs to reach a wider group of readers.

Tina Noronha

Dr. Wafaa I just wanted to say that book is such an amazing, well written book, it really made me take a look at my spending and changed my mindset and much more its officially my favorite book!

Ghada Beshara

————————-

And if you are ready to take the first step, and invest in yourself, enroll in my course “Investing For Beginners: How To Invest With Confidence”  HERE.

What others said about the course:

Dr. Wafaa has shared her personal knowledge and expertise and provided the necessary information to start the investing journey based on a solid foundation. Her style in teaching made it very easy to grasp the concepts and understand the information being provided.

The course contains excellent information and working tips that you can use in building your confidence as an investor. The workbooks provided during the course are a very helpful tool and will continue to be a great handy reference for future use. I am really grateful to Dr. Wafaa for this excellent course and I highly recommend it to everyone. It is really worth the investment paid for it.

Mohammad Adnan Taibeh, Head of Economic Optimization

The Course was a very informative, suitable for people who just started out or willing to start investing in the US Stock Market. The course covers a lot of investment principles and how to manage your risk. I would recommend people who would want to learn about the stock markets and finance in general and also people already have knowledge on this field.

 Abdallah Al Alban, Financial Researcher

The course is very professional in the true sense. The course content was distinctive, smooth, and at the same time rich in important and updated information. Starting from explaining the simplest steps that help any beginner to go through the experience with confidence, passing through daily updates of the most important tools and sites that can be used. I highly command the course, it includes everything you need to start your investing journey. I would really regret it if I missed the course!  

Abdallah Al-Ansary, Language and development trainer

 

So, take that first step and start your investment journey HERE.

Why Investing in ETFs is a Great Idea for Beginner Investor

Why Investing in ETFs is a Great Idea for Beginner Investor

Do you know that $100,000 invested in S&P Index fund 30 years ago,

Would be worth now $843,000?

And, $100,000 saved in highly yield bank savings account 1% annually 30 years ago,

Would be worth $134,969?

Saving money without investing, is the equivalent of the hamster who moves nowhere while running on the wheel, and tires themselves out in the process.

Saving without investing leaves you behind in the end.

The best and safest way to start investing is investing in Exchange Traded Funds (ETFs).

An ETF offers investors a way to invest in many stocks without buying them all individually.

It gives you the opportunity to invest in a lot of companies with less money.

Take S&P 500 ETF for example:

You can invest in companies in the technology, consumer staples, healthcare, financial, industrial, energy, and utility sectors by purchasing a single stock.

An S&P 500 ETF allows you to acquire pieces of Apple, Microsoft, Amazon, Facebook, Google, Visa, Tesla, Berkshire Hathaway, Johnson&Johnson, and many more all in a single stock.

In doing so, you are able to essentially become a part owner in all of the biggest companies with the best returns while minimizing the potential risk of losses.

An important issue you have to pay attention to when buying index fund:  THE FEES,

For example, an initial $10,000 investment in an index fund that earns 8% annually and charge 0.05% annual fees will grow to: $108,000 in 30 years.

The same investment in an actively managed fund that charges a 1% annual fee will grow to: $81,000

The fees you pay on your investments should be one of the first things you look for when choosing your investments.

Even paying just 1% in annual fees can drain your portfolio drastically over time.

When building your portfolio, prioritize using low cost index funds that charge less than 0.15% annually.

To learn more about ETFs and how you can get started invest in them, I prepare a FREE guide for you, Click Here to Download.

And if you are ready to take the first step, and invest in yourself, enroll in my course “Investing For Beginners: How To Invest With Confidence”  HERE.

 

What others said about the course:

Dr. Wafaa has shared her personal knowledge and expertise and provided the necessary information to start the investing journey based on a solid foundation. Her style in teaching made it very easy to grasp the concepts and understand the information being provided.

The course contains excellent information and working tips that you can use in building your confidence as an investor. The workbooks provided during the course are a very helpful tool and will continue to be a great handy reference for future use. I am really grateful to Dr. Wafaa for this excellent course and I highly recommend it to everyone. It is really worth the investment paid for it.

Mohammad Adnan Taibeh, Head of Economic Optimization

 The Course was a very informative, suitable for people who just started out or willing to start investing in the US Stock Market. The course covers a lot of investment principles and how to manage your risk. I would recommend people who would want to learn about the stock markets and finance in general and also people already have knowledge on this field.

 Abdallah Al Alban, Financial Researcher

 The course is very professional in the true sense. The course content was distinctive, smooth, and at the same time rich in important and updated information. Starting from explaining the simplest steps that help any beginner to go through the experience with confidence, passing through daily updates of the most important tools and sites that can be used. I highly command the course, it includes everything you need to start your investing journey. I would really regret it if I missed the course!  

Abdallah Al-Ansary, Language and development trainer

 So, take that first step and start your investment journey HERE.