Corporate Finance & Investing - Saving & Budgeting

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•How To Save money by minimizing on
interest and fees and capitalizing on
investint
•Pay off your home sooner than
expected
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Would you like to:
•Have the best lifestyle your money can
buy -
•Build financial security for your family -
•Be sure your have the best loan
products available at your disposition -

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financially secure retirement -
•Be able to help your children, your
grand children -

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Frugal Living Essentials...
Frugal Living 101

Jumping into the frugal life means learning
how to budget, cut costs, reduce debts
and get organized

Ways You Can Start Living the Frugal Life

The Frugal Life - Living Well With What
You Have..

Welcome to The Frugal Life Community!
Now that you’re visiting our community,
relax and spend some time enjoying the
website, the blogs, the social media pages.

Get ideas for more creativity in your
finances and meet a community of making
more - saving more -

Spending Less And Save More..

Compound Interest…Friends?
When asked, "What do you consider mankind’s greatest
discovery?", Albert Einstein replied, "Compound interest!"

" When it’s working against you, it’s a beast!
If we take the time to understand the compound interest
formula, we can see how to defeat economic difficulties. Compound
interest can make certain people get richer and at the same time it's
making certain other people getting poorer.

Reasons to Check Your Credit Report Regularly
In much the same way that a resume displays your work experience
to a prospective employer, a credit report provides prospective
creditors (and in some cases employers and insurers too) with a
detailed picture of your credit history.
And like a resume, your credit report can influence whether you will
receive what you are applying

Your Secret To Success
Your Secret To Success By Doris Dobkins Have you ever wondered
what the secret ingredient is to success and financial
independence?

I know I have. I’ve also discovered it and want to share it with you in
this article.
The most successful and financially independent people are goal-
oriented. They clearly define their goals

Who We Are
Do you wish you had
more time and money?
Many of us do! That's what
MONEY WISERS GROUP is all
about. We've spent years digging
out all the ways that you can "live
better...for less".

What Can We Do For
You?
On our website you'll find full
articles, slideshows and videos on
hundreds of ways to stretch your
day and your dollar.

There are over MANY articles in
our library. And we're adding more
every day

Each weekly issue of MONEY
WISERS GROUP includes links to
a variety of articles and tips to help
you live better for less

Talk to us. Almost every article
invites you to send feedback to the
editor. Do so. If you have a
question ask for help with an email
to Ask The Dollar Stretcher. Have a
suggestion? Send it on in

Tell your friends about us. We all
know someone who is struggling
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and what they learn at MONEY
WISERS GROUP

Living frugal isn't a choice
for us, it's a necessity. Here at
MONEY WISERS GROUP I will always
share with you my best frugal living tips
and tricks! If you ever have any frugal
living tips of your own that you'd love to
share with US

Living a Frugal Lifestyle
Try these easy frugal living tips to help
you save money and get out of debt! Trim
unnecessary spending and you'll be
surprised how far your money

Ways To Save Money –
Frugal Living Tips
Frugal living is all about making the most
with what you already have. Here are 11
frugal living tips from Penny Pinching
Mama to help you get started:

There are many financial ideas
very common to the wealthy and
super wealthy but generally not
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Money Wisers Group will teach
you all, everything.

The main objective of Money Wisers Group is to
further explain and expand the ideas, applying
lessons learn previously and more importantly to give
people a new perspective and more control over their
finances.

Perhaps you entrusted your financial security to the so
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or gain.
It’s not good at all to let yourself get suckered again
and again, it may be now the time to take control of
your finances, take control of your retirement affaire.
Money Wiser Group is there to help everyone who has
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obtaining economic freedom.

Money Wisers are just a guide designed to empower
others, a guide to help others become rich, staying
rich in a good time and in bad time with the guidance
of few financial planners, financial advisors, financial
analyst, and investment strategists. Those people are
saying that it’s time for wiser people to take charge of
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Money Wisers social media network is a
comprehensive, easy to understand and use to
maximize your portfolio and focusing on improving
cash-flow while reducing taxes and maximizing assets,
minimizing liabilities.

Money Wisers Explain Tangible income- tangible
investment; for most people their wealth comes from
tangible investments include real estate holdings,
businesses build from the ground up, a product they
created and sold, oil and gas royalties, and so on. In
reality their wealth is not really comes from the stock
market which is a gambling environment.

MONEY WISERS GROUP wants you to freeing your
estate from conventional thinking. An example, if you
purchase a home with leverage money and have a
mortgage for 30 years fix interest rate
And you just send an extra payment of even about 100
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Living frugal - Have a frugal
lifestyle and invest to build
wealth. How to invest - What to
invest in - When to invest???

This website. specially this
page is designed for investors -
entrepreneurs - Traders -
Business Oriented people.

Here's millionaire sharing
secrets to succeed and win big
in the world investing..

There are no secrets to
investment success.. But there
is hard work, a solid plan, due
diligence, research that fits
each individual financial goals
and certainly their risk
tolerance...

What is bond? How to invest in
bonds? What type of bonds are out
there?
Government bonds - corporate
bonds - municipal bonds -

Safety: Money market funds,
Certificate of Deposit...

Treasury securities: Treasury bills -
Treasury notes - Treasury bonds

Stocks Investing: Stock
Market Different Sectors...
Different Class Of Stocks..

Real Estate Sector -
Pharmaceutical - Retail -
Utility - Transportation -
Energy - Automobile -
Communication - Financial
Sector etc.

How to Invest in Stocks???
The Complete Beginner's
Guide to Investing in Stock
and it provides a short
checklist of topics, complete
with links and much more..

Bonds: Investing in
bonds; How to invest in
bonds?
Companies and governments issue
bonds to fund their day-to-day
operations or to finance specific
projects. When you buy a bond, you
are loaning your money for a certain
period of time to the issuer..

In exchange, the borrower promises
to pay you interest every year and to
return your principal at "maturity,"
when the loan comes due, or at "call"
if the bond is of the type that can be
called earlier than its maturity. The
length of time to maturity is called the
"term."

A bond's face value, or price at issue,
is known as its "par value." Its
interest payment is known as its
"coupon."

Mutual funds: Investing
in mutual funds...
A mutual fund pools money from hundreds and
thousands of investors to construct a portfolio of
stocks, bonds, real estate, or other securities,
according to its charter.

Each investor in the fund gets a slice of the total
pie. The money is then invested by a team of
professionals, who research stocks, bonds or
other assets and then place the money as wisely
as they can.

Load vs. no-load

There are several kinds of mutual funds. Funds
that impose a sales charge -- taking a cut of any
new money that comes into the fund, or a cut of
withdrawals -- are called load funds; those that do
not have sales charges are called no-load funds.

Open- vs. closed-end
funds

Open-end funds will sell shares to anyone who
cares to buy. Their share price is determined by
the value of the underlying investments and is
calculated each evening after the close of the U.S.
markets.

The price for a share of a open-end fund is
determined by the net asset value, or NAV, which
is the total value of the securities the fund owns
divided by the number of fund shares outstanding.

The NAV is the price at which you can buy and sell
shares, as long as you don't have to pay a sales
commission, or load.

Closed-end funds, on the other hand, issue a
limited number of shares that then trade on the
stock exchange like stocks.

The price of such shares can fluctuate above or
below the actual value of the underlying shares
held within the portfolio.

Improve Your Mindset and
Improve Your Trading
Skills..

Sometimes the Best
Investment Philosophy Is
Simplicity.

It's Not What You Know
but What You Don't Know
That Can Cause Trouble.

A Great Way to Diversify
Your Portfolio Is with
Dividend Stocks.
A company that pays a dividend is
nice, but a company that pays a
dividend and grows the dividend year
after year is even better.

How to Invest in Stock - The Four Major
Ways to Invest Your Money

There are typically four major ways to
invest your money in stocks:

Investing through a 401k plan or, if you
work for a non-profit, a 403b plan
Investing through a Traditional IRA, Roth
IRA, Simple IRA or SEP-IRA account
Investing through a brokerage account
Investing through a direct stock purchase
plan or dividend reinvestment plan (DRIP)

How to Invest in Stock - The Five Types of
Assets You Might Own...

Generally, there are five types of assets
the average investor is likely to own in his
or her lifetime,

Whether or not he or she invests in these
assets directly or through a pooled
structure such as a mutual fund, index
fund, exchange traded fund, or hedge
fund:

How to Invest in Stock - Doing
the Research

When researching an investment there are
typically five documents you want to get your
hands on to research the relative merit of a
potential stock:

The Form 10-K – this is the annual filing with
the Securities and Exchange Commission
(SEC) and is probably the single most
important research document available to
investors about a company.

The most recent Form 10-Q, which is the
quarterly version of the Form 10-K.

Proxy statement – includes information on the
Board of Directors as well as management
compensation and shareholder proposals.

The most recent annual report – read the
report from the Chairman, CEO, and sometimes
CFO or other high-ranking officers to see how
they view the business. Not all annual reports
are created equally. Generally, the best in the
business is considered to be the one written

A statistical showing going back five or ten
years. Several firms prepare this type of
information in easy-to-digest formats, mostly
for a subscription fee. Some of the major
research houses and products include
Morningstar,

Common stocks – When you invest in stock,
you acquire an ownership stake in an actual
operating business, along with your share of
the net earnings and resulting dividends
produced by the firm.

Preferred stocks – Preferred stock is a special
type of stock that often pays higher dividends
but has limited upside.

How to Invest in Stock - The
Three Financial Statements..

There are three financial statements you’ll
want to examine closely before you buy an
ownership stake in a company by investing in
its stock. These three are:

The income statement
The balance sheet
The cash flow statement

All three financial statements work together
and reinforce one another so you cannot
study them in isolation or you will find
yourself making decisions based on partial
data; a mistake that can be costly, especially
when you decide to invest in stock rather
than a more senior security higher up in the
capital structure, such as a bond.

Blue Chip Stocks
What are blue chip
stocks?

a blue chip is stock in a corporation with a national
reputation for quality, reliability, and the ability to
operate profitably in good times and bad.

A blue chip stock is a stock of a large and
well-established company that has the ability to be
profitable in good and bad times.

Value Stocks
Value stocks are not cheap stocks, although one of
the places you can look for candidates is on the list
of stocks that have hit 52-week lows.
Investors like to think of value stocks as bargains.

The market has under valued the stock for a variety
of reasons and the investor hopes to get in before
the market corrects the price.

There should be at least as much equity as debt.
• Current assets at twice current liabilities.
• Share price at tangible book value or less.
Some investors use more criteria, but these will get
you started in identifying value stocks.

Growth stock
In finance, a growth stock is a stock of a company
that generates substantial and sustainable positive
cash flow and whose revenues and earnings are
expected to increase at a faster rate than the
average company within the same industry.

What is a 'Growth Stock' A growth stock is a share in
a company whose earnings are expected to grow at
an above-average rate relative to the market.
How to identify a growth stock

What Are Penny Stocks?
Penny Stock List Tools
and Information..

What Are Penny Stocks?
Low-priced, small-cap stocks are known as penny
stocks. Contrary to their name, penny stocks rarely
cost a penny.

The SEC considers a penny stock to be pretty much
anything under $5.
And while there are sub $5 stocks trading on big
exchanges like NYSE and NASDAQ, most investors
don't think of these when asked to describe a penny
stock.

Lesson #1:
About Penny Stocks
Before trading penny stocks, it is important to
understand what penny stocks are and how they
typically trade.

How to Buy Penny Stocks
Like any other stock you would buy, you can
purchase shares of a penny stock through your
normal stockbroker -- regardless of whether or not
it's listed on a major exchange.

Technical analysis
In finance, technical analysis is a security analysis
methodology for forecasting the direction of prices
through the study of past market data, primarily price and
volume.

Behavioral economics and quantitative analysis use
many of the same tools of technical analysis, which,
being an aspect of active management, stands in
contradiction to much of modern portfolio theory.

Fundamental analysis
Fundamental analysis, in accounting and finance, is the
analysis of a business's financial statements (usually to
analyze the business's assets, liabilities, and earnings);
health; and its competitors and markets.

Fundamental analysis, in finance, is
the analysis of a business's financial statements (usually to
analyze the business's assets, liabilities, and earnings);
health; and its competitors and markets.

Fundamental analysis, in accounting and
finance, is the analysis of a business's financial statements
(usually to analyze the business's assets, liabilities, and
earnings); health;[1] and its competitors and markets.

Return On Equity - ROE
What is 'Return On
Equity - ROE'

Return on equity (ROE)
is the amount of net income returned as a
percentage of shareholders equity. Return
on equity measures a corporation's
profitability by revealing how much profit a
company generates with the money
shareholders have invested.

ROE is expressed as a
percentage and calculated as:

Return on Equity = Net
Income/Shareholder's Equity

Return on equity may also be calculated by
dividing net income by average
shareholders' equity. Average shareholders'
equity is calculated by adding the
shareholders' equity at the beginning of a
period to the shareholders' equity at
period's end and dividing the result by two.

3. Investors may also calculate the change
in ROE for a period by first using the
shareholders' equity figure from the
beginning of a period as a denominator to
determine the beginning ROE.

Then, the end-of-period shareholders' equity
can be used as the denominator to
determine the ending ROE. Calculating both
beginning and ending ROEs allows an
investor to determine the change in
profitability over the period.

Return on investment
Return on investment (ROI) is
the benefit to an investor resulting from an
investment of some resource. A high ROI means the
investment gains compare favorably to investment
cost. As a performance measure, ROI is used to
evaluation..
Return on investment (ROI)
is the benefit to an investor resulting from an
investment of some resource. A high ROI means the
investment gains compare favorably to investment
cost.

As a performance measure, ROI is used to evaluate
the efficiency of an investment or to compare the
efficiency of a number of different investments..

What is 'Return On Investment -
ROI'

A performance measure used to evaluate the efficiency of
an investment or to compare the efficiency of a number of
different investments.

ROI measures the amount of return on an investment
relative to the investment’s cost.

To calculate ROI, the benefit (or return) of an investment is
divided by the cost of the investment, and the result is
expressed as a percentage or a ratio.

The return on investment formula: Gain from investment
minue cost of investment & divided by cost of investment

Return On Investment (ROI)

In the above formula, "Gain from Investment” refers to the
proceeds obtained from the sale of the investment of
interest.
Because ROI is measured as a percentage, it can be easily
compared with returns from other investments, allowing
one to measure a variety of types of investments against
one another.

Return on assets
The return on assets (ROA) shows the percentage of
how profitable a company's assets are in generating
revenue.

The return on assets (ROA) shows the percentage of
how profitable a company's assets are in generating
revenue.

ROA can be computed as:
R O A = Net Income Average
divided by theTotal Assets
{ROA} ={\

This number tells you what the company can do with
what it has, i.e. how many dollars of earnings they
derive from each dollar of assets they control. It's a
useful number for comparing competing companies in
the same industry.

The number will vary widely across different industries.
Return on assets gives an indication of the capital
intensity of the company, which will depend on the
industry; companies that require large initial
investments will generally have lower return on assets.
ROAs over 5% are generally considered good

What is 'Return On Assets -
ROA'

Return on assets (ROA) is an indicator of how
profitable a company is relative to its total assets.
ROA gives an idea as to how efficient management is at
using its assets to generate earnings.

Calculated by dividing a company's annual earnings by
its total assets, ROA is displayed as a percentage.
Sometimes this is referred to as "return on investment".

The formula for return on assets is: : Net Income
Divided by the total assets..

Return On Assets (ROA)
Note: Some investors add interest expense back into
net income when performing this calculation because
they'd like to use operating returns before cost of
borrowing.m

P/E = Price–earnings
ratio

The Price/Earnings
Ratio or P/E ratio or
PER is a ratio used to
value a company. There are
multiple versions of the P/E ratio, depending
on whether earnings are projected or
realized, and the type of earnings.

Price-Earnings Ratio -
P/E Ratio
The price/earnings ratio (often shortened to
the P/E ratio or the PER) is the ratio of a
company's stock price to the company's
earnings per share. The ratio is used in
valuing companies.

What is the 'Price-
Earnings Ratio - P/E
Ratio'

The price-earnings ratio (P/E Ratio) is the
ratio for valuing a company that measures its
current share price relative to its per-share
earnings.

The price-earnings ratio can be calculated as:

Market Value per Share / Earnings per Share..

In general, a high P/E suggests that investors
are expecting higher earnings growth in the
future compared to companies with a lower
P/E. A low P/E can indicate either that a
company may currently be undervalued or
that the company is doing exceptionally well
relative to its past trends.

When a company has no earnings or is
posting losses, in both cases P/E will be
expressed as “N/A.” Though it is possible to
calculate a negative P/E, this is not the
common convention.

The price-earnings ratio can also be seen as
a means of standardizing the value of one
dollar of earnings throughout the stock
market

PEG = What is price to earnings
growth?

The PEG ratio (price/earnings to growth ratio) is a
valuation metric for determining the relative trade-off
between the price of a stock, the earnings generated per
share (EPS), and the company's expected growth...

What is the 'Price/Earnings To
Growth - PEG Ratio'

The price/earnings to growth ratio (PEG ratio) is a
stock's price-to-earnings ratio divided by the growth
rate of its earnings for a specified time period.

The PEG ratio is used to determine a stock's value while
taking the company's earnings growth into account,
and is considered to provide a more complete picture
than the P/E ratio.

While a low P/E ratio may make a stock look like a good
buy, factoring in the company's growth rate to get the
stock's PEG ratio can tell a different story.

The lower the PEG ratio, the more the stock may be
undervalued given its earnings performance. The
calculation is as follows:

P/E ratio ÷ Annual EPS Growth

Earnings per share

Earnings per share (EPS) is the monetary value of
earnings per outstanding share of common stock for a
company. In the United States, the Financial
Accounting Standards Board (FASB) requires EPS
information for the four major categories of the income
statement: continuing operations, discontinued
operations, extraordinary item

Earnings Per Share - EPS..
What is 'Earnings Per Share -
EPS'

Earnings per share (EPS) is the portion of a company's
profit allocated to each outstanding share of common
stock. Earnings per share serves as an indicator of a
company's profitability.

Calculated as: Net Operating Income - Dividends On
Preferred Stocks Divided By Average Outstanding share

Earnings Per Share (EPS)

When calculating, it is more accurate to use a weighted
average number of shares outstanding over the
reporting term, because the number of shares
outstanding can change over time. However, data
sources sometimes simplify the calculation by using
the number of shares outstanding at the end of the
period.

Net Operating Income - NOI

What is 'Net Operating Income -
NOI'

Net operating income (NOI) is a calculation used to
analyze real estate investments that generate
income. Net operating income equals all revenue
from the property minus all reasonably necessary
operating expenses.

Aside from rent, a property might also generate
revenue from parking and service fees, like vending
and laundry machines.

Operating expenses are those required to run and
maintain the building and its grounds, such as
insurance, property management fees, utilities,
property taxes, repairs and janitorial fees.

NOI is a before-tax figure; it also excludes principal
and interest payments on loans, capital
expenditures, depreciation and amortization.

Net Operating Income (NOI)

Real Estate Definitions for Real
Estate Investing

Net Operating Income (NOI)

Net operating income (NOI) is a calculation that is used
to asses how much income a property will generate.

The net operating income is also used to value a
property by applying a capitalization rate or cap rate.

NOI is also used in the Debt Coverage Ratio (DCR)
which tells lenders and investors whether a property’s
income covers its operating expenses and debt
payments.

Net operating income (NOI) is the property’s gross
potential rental income plus any other income, such as
late fees or parking income. This amount is reduced by
vacancies, credits and rental expenses.

Rental expenses are generally those that are required
to run and maintain the property such as insurance,
repairs and maintenance, utilities and property taxes.

Net operating income is not the same things as a
property’s cash flow or the property’s taxable income.

Net operating income does not include debt payments
or incomes taxes (depreciation, amortization and
income taxes). Essentially, Net Operating Income (NOI)
is the net cash generated before mortgage payments
and income taxes.

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