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  • drdianehamilton 10:03 am on October 5, 2011 Permalink | Reply
    Tags: Barclays Wealth, , , , , , , Investing, , , , Risks, , ,   

    Women Becoming More Successful Than Men 

    Women are passing men in their abilities to get a degree, handle families and garner success at work.  As men are falling behind, women are making huge strides.  CNN reported that, “For the first time in history, women are better educated, more ambitious and arguably more successful than men.”

    Over half of college degrees are now being awarded to women. “In 1970, men earned 60% of all college degrees. In 1980, the figure fell to 50%, by 2006 it was 43%. Women now surpass men in college degrees by almost three to two. Women’s earnings grew 44% in real dollars from 1970 to 2007, compared with 6% growth for men.”

    Women are becoming stronger entrepreneurs as well.  Forbes recently reported:  “As of 2011, it is estimated that there are over 8.1 million women-owned businesses in the United States. Overall, women-owned firms have done better than their male counterparts over the past 14 years. The number of men-owned firms (which represent 51% of all U.S. firms) grew by only 25% between 1997 and 2011—half the rate of women-owned firms.”

    A study by Barclays Wealth and Ledbury Research may have some of the answers to why women are surpassing men.  One of the reasons they found is that women are less likely to take unnecessary risks or make rash decisions.  The Huffington Post backed up this point stating, “A 2005 study by Merrill Lynch found that 35% of women held an investment too long, compared with 47% of men. More recently, in 2009, a study by the mutual fund company Vanguard involving 2.7 million personal investors concluded that during the recent financial crisis, men were more likely than women to sell shares of stocks at all-time lows, leading to bigger losses among male traders.”

    Check out the following infographic about differences between women and men:
    Girls in STEM
    Created by: Engineering Degree

     
  • drdianehamilton 10:57 pm on August 9, 2011 Permalink | Reply
    Tags: , Dividend, Dividend payout ratio, Dividend Yield, , Equities, Investing, Market Crash, Stock   

    Who is Buying Stocks When Everyone Is Selling? 

    With the recent stock market drop, there was a mass sale off of stocks.  This may lead to the question:  If everyone is selling, is there a chance that there are stocks that no one wants to purchase?  The answer is technically no.  There are always as many buyers as there are sellers and that keeps the system going. 

    If you are wondering who would want to buy stocks when the market is going down, the answer is:  a lot of people.  Some shares are picked up through options and some are picked up through money managers that have been waiting for a strike price. 

    There are many people who set up stock limit orders so that when a stock hits a certain dollar amount, it is automatically purchased.  According to Money.cnn.com, “If you place a market order with your broker, then you are saying that you’re willing to buy at whatever happens to be the prevailing price for the stock. If you have a specific price in mind, you can set a limit order specifying the price you’re willing to pay. If the stock dips down to that level, your order will be automatically filled. Limit orders can be left open for a single day (a day order) or indefinitely (good until canceled). After you’ve bought a stock, you can instruct your broker to sell it if the price drops to a level you specify (a stop loss order). That’s a kind of insurance; it means that no matter what happens to a stock’s price you’ll never lose more than a specified amount.”

    Some may look at this as legalized gambling.  A capitalist is always on the look out to get a better price or better dividend yield.  Dividend yields are based on the price of the stock.  If the stock goes down, the yield may go up.  For example since dividends are in dollar amounts and not percentages, if a $1 dividend is divided by a $20/share price then the dividend yields 5%.  If that $1 dividend is divided by an $18/share price then that dividend yields more at 5.5%.

    The sheer volume of trading is staggering.  A local stock broker looked up today’s trade volume.  For August 9, 2011, 9 billion shares traded. 

     
  • drdianehamilton 11:38 pm on February 7, 2011 Permalink | Reply
    Tags: , Age Based Funds, , , , Funds, Investing, , , , Risk aversion, ,   

    401K Reinrollment: Why Your Money May Be Put Into Target-Dated Funds 

    Target-dated funds are mutual funds that automatically adjust the asset mix of stocks, bonds and cash usually based on the investor’s future retirement date.  Companies have been offering these options for their employees for many years.  Some companies are now even having employees have to acknowledge if they don’t want to have their money put into target-dated funds. 

    In the hope of helping employees keep their money safe, companies are stepping in and trying to control where they hold their retirement funds.  Employees can continue to choose from their company’s listed fund choices, but if they don’t opt out of the target-dated funds, their money may just be moved for them. 

    For those people who don’t want to hassle with choices and watching their funds, this may be a good choice.  For those who are more financially savvy, the target-dated funds may not appeal to them; they may prefer to have control over their investments. 

    There are pros and cons to using target-dated funds based on gender, age and risk tolerance.  For more information about target-dated funds and employers utilizing them, check out a recent article by the Wall Street Journal by clicking here.

     
  • drdianehamilton 3:03 pm on September 19, 2010 Permalink | Reply
    Tags: Akamai, , Boston.com, Business Week, CNBC poll, Demand Media, Dick Costolo, Etsy, , , Gilt Groupe, Glam Media, Global Brand, , Investing, , , Mafia Wars, , , New York Post, , , Stephen O'Leary, , Supermedia, , Teradyne, Tesla Motors, , , ,   

    Top Social Media Sites IPO: One More Way to Make Money from Social Media 

    Are you looking for the next stock that could make your rich? Wouldn’t it have been nice if you had just bought Microsoft or Apple early on? How would you like to own shares of a giant like Facebook?

    The New York Post recently reported, “While none of the leading players has any imminent plans to go public, rumors swirl that Facebook, LinkedIn and Zynga (maker of Farmville and Mafia Wars) may do an initial public offering within the next 12 months.”

    Business Week reported that Facebook’s IPO offering is delayed until 2012, while they grow their user base. The media has been reporting for a while now that Linkedin will start its public offering in the UK, India, the Netherlands, and Canada first.

    Reid Hoffman, chairman for Linkedin, is trying to prove the global business appeal of Linkedin. If you have an account on Facebook, you probably know that Farmville and Mafia Wars are very popular.

    Zynga, maker of these products, has started preparing for their IPO by adding a new CFO to the San Francisco-based company.

    Where is Twitter in all of this? CEO, Dick Costolo, said it won’t be any time soon. Costolo told Business Week, “We have to catch up to our valuation. We’ve raised all this money. We’ve created this global brand. It’s one of the fastest — if not the fastest — growing brands in the history of the world. Now we have to go build the business that lives up to that valuation.”

    Techcrunch had an article earlier this year making predictions for 2010 IPOs  – It will be interesting to see when some of these predictions actually come true. Their top 10 list of predicted 2010 IPOs included:

    1. Facebook  – Raised $716 million

    2. Zynga  – Raised $219 million

    3. Linkedin  – Raised $103 million

    4. Glam Media  – Raised $125 million

    5. Demand Media  – Raised $355 million

    6. Gilt Groupe  – Raised $48 million

    7. Etsy  – Raised $31.6 million

    8. Yelp  – Raised $31 million

    9. Tesla Motors  – Raised $783 million

    10. Skype  – Raised $69 million  

    Even if all of this list don’t go public soon, there has been talk about some of the following currently available stocks being the ones to watch:

    Akamai – up 105% this year

    Teradyne – up 64% this year

    Supermedia – trading well below what expected price forecasts are at the moment.

    This all sounds good but investors are still gun-shy in the current market.  Yahoo news reported “Wild gyrations on Wall Street have made U.S investors leery of buying individual stocks and skeptical that the market is a fair place to park their money. In an Associated Press-CNBC poll of investors, 61 percent said the market’s recent volatility has made them less confident about buying and selling individual stocks. And the majority of those surveyed — 55 percent — said the market is fair only to some investors.”

    Boston.com reported that IPOs are not where they used to be.  In an interview with Stephen O’Leary of the Mass Tech Leadership Council, O’Leary stated, “the IPO market is down 80 or 90 percent, compared to where it was pre-Internet bubble, and that’s not a statement about the value of technology companies. It’s the market.” Assuming there’s an appetite for IPOs, the surviving investment banks want to focus on taking companies public that have an enterprise value of $300 million and are looking to raise at least $100 million, says O’Leary, who left General Catalyst last fall.”

     
  • drdianehamilton 10:10 pm on August 3, 2010 Permalink | Reply
    Tags: , , , , , , , Investing, Investopedia.com, Mytwodollars.com, , ,   

    Dr. Diane Hamilton is Interviewed by Dean Voelker 

    Click the date link to hear the audio file. Please be patient for the file to load in your media player.

  • 07/31/2010 – Dr. Diane Hamilton (Current Show)
  •       click this link to hear the show

    Dr. Diane Hamilton

    Click on the above link and go about five minutes into the show to listen to Financial Talk Show Host and Author, Dean Voelker, interview Dr. Diane Hamilton about young adults, money, online learning, careers, and even Lady Gaga. . . Stay tuned until the end to hear more about Diane’s books: The Online Student’s User Manual, How to Reinvent Your Career and Ten Things The Young Adult Needs to Know to Be Financially Savvy.

     
    • lbwong 2:16 am on August 5, 2010 Permalink | Reply

      I enjoyed listening to your interview and feel as if I know you a little better! I especially appreciate your mention about the importance of maxing out contributions to retirement plans such as 401k. Further, we share interest in online education and experience in the real estate industry! I look forward to more info sharing with you. Thank you, LB

    • drdianehamilton 11:03 am on August 5, 2010 Permalink | Reply

      Thanks LB . . . I appreciate your interest in my writing. Take care.

  • drdianehamilton 7:12 pm on July 26, 2010 Permalink | Reply
    Tags: , , , ehow.com, incorporate.com, Investing, keylaw.com, keyt law, llc, llc faq,   

    How to Form an LLC With Rental Property | eHow.com 

    Many investors use rental property to create “passive income.” Investors can buy apartments, commercial property or even single homes to then rent out to tenants. While these properties can produce cash flow, they can also leave the owner with personal liability for the business. Putting your rental properties into an LLC will limit your personal liability with a very small initial setup cost. You can even form an LLC online for a fraction of the price of meeting an attorney in person.

    Difficulty: Easy
    Instructions
    1. Step 1

      Choose an available LLC name in your state. When forming an LLC, you need to pick a unique name that no other company is using as this name will appear on all of your documents and banking information.

    2. Step 2

      Find an online LLC vendor or contact an attorney. You can work with an attorney one-on-one or form your LLC online by yourself. You’ll need to supply some basic information such as business address and the names and contact information of the owners.

    3. Step 3

      Pick your statutory agent and pay your filing fees. Every LLC needs a registered agent on file with the state, who will be the person to receive legal correspondence on behalf of the company. When applying for an LLC, most states charge a fee that must be paid at the time of filing.

    4. Step 4

      Start operating your rental property under the LLC. The next time you take on a tenant, change all of your rental property forms and contracts to the name of your LLC instead of your personal name. Henceforward, the LLC will be liable for those contracts and you personally will have limited liability.

    5. Step 5

      Start a bank account for your LLC. Your LLC is its own entity, so it can open a business checking account to receive the rental income, pay the rental property expenses and debt service and pay profits to you as the owner.

    I had someone ask me today about using an LLC for their rental property. I personally use Keyt Law in Arizona http://www.keytlaw.com/ – I think they do a nice job.

    I use LLCs to protect me financially. Here is a great link to FAQs about why you should use an LLC to purchase real estate: http://www.incorporate.com/real_estate_faqs.html

     
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