Tips to Put in Mind When Dealing with IPO Stocks


A number of people say that buying IPO stocks is an exciting part when investing in the stock market. In order to make better investment decisions, it is important that one reads investing guidelines and know-hows. Analysis and understanding must be applied to better utilize your readings. If you are one of the people who are eyeing on investing in IPO stocks, written here are some tips you can take into consideration.

What is an IPO?

Initial Public Offering or IPO is the manner where the shares or stock of a private company is opened to the public. Usually, this is done by smaller, starting companies that seek to expand their capitals. For some cases, there are large private companies that would like to begin being publicly traded.

What makes IPO exciting?

Buying IPO stocks seem to attract the attention of both traders and investors in the stock market. Traders make the most out of the price rallies that follow after a company’s listing period. On the other hand, it is a chance for investors to be a part of a particular company’s beginnings until it grows massively in the market.


What are some of the tips that you can consider when dealing with an IPO stock?

1. Develop a plan.

Knowing your financial goals matters a lot. Yet, as your goals begin to unfold before your very eyes, planning is an integral part. Following a plan helps you to stay on track and recognize your stock market strategy.

It can also help you come up with an educated decision if you should buy such IPO stock or even deciding if you are going to hold it for a short, medium, or long-term period.

2. Do your research about the company.

In today’s social media age, cases of people giving in to herd mentality are increasing. There are people who believed instantly to an advice and then they get hyped afterwards. It is important to be cautious of stock market tips that you follow.

The best thing to do is to research and study the fundamentals of the company which will be out for an IPO. Is it a company looking for operations expansion or one that will use the money to pay enduring debts?

Consider a company that must qualify to any of the following: part of a growing industry, with good earning records, having a dependable management, offer top-quality and unique products and one having a robust balance sheet.

3. Steer clear of first day listing volatility.

Avoid buying shares during the initial days of listing as this period is usually volatile. Basing it from history, IPOs do trade higher than that of their offering price during such stretch.

For short-term traders, they will do their profit-taking activity after several days. The ideal period to buy the IPO stock is after the correction period where the stock has recovered.


When dealing with an IPO stock, a well-informed investor can outpace and perform better than the others. A number of companies go public every month, it is best to apply the following tips mentioned in this post.

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What Makes Financial Advisors Necessary?


People usually take more time shopping for personal items than taking the time to find a trusted financial advisor. There are a number of notions about what a financial advisor is and what do they do. In this post you will be able to see why financial advisors are regarded as necessary.

Financial advisors specialize in a number of areas such as there are advisors which can help you when investing and building your portfolios and financial advising. Anyone, young and old, fresh graduate or even a retiring individual can benefit from having a financial advisor.  It does not matter how much money you have as long as you have the desire to better manage your money.


  1. Having a Financial Advisor helps you keep your focus and stay on the right track

They say that when you dream, it is completely alright to dream for the bigger things. Others might even go for their biggest dreams – and hey, it is possible. Aside from knowing yourself and utilizing your capabilities, your financial advisor can help you stay focus and stay directed on your goals.

Having a financial advisor helps you plot both of your short-term and long-term goals. It is necessary since people have the tendency to be swayed from one goal to another and in the end, nothing has ever been accomplished. They help you list down your goals according to priority and length of time needed to reach these. Concisely, financial advisors help you make an informed choice to avoid regrets in the future.


  1. Having a Financial Advisor gets your important questions answered

Over the course of your financial planning, you will be faced with tough questions or critical choices that you need to surpass to keep you going. One of the roles of a financial advisor is to help you pin down your pick and be confident enough that you made the right choice.

If you are wondering which of your options make more financial sense, you can always turn to your advisor. Searching in Google doesn’t always give you the answers that are appropriate to you and your situation. That is why financial advisors can have a significant impact on your future.


  1. Having a Financial Advisor unites you within and beyond yourself

 If you are single and you do not know what to do, financial advisors can help you connect within yourself. If you are married, and you might have a different reasoning with your spouse, they can act like money counselors. They get couples and the rest of the family on the same page. Everyone gets to share his or her financial goals and finding a common ground where they both can work on. Financial advisors can help find balance amidst divergent goals.



You don’t need to have millions to work on your financial plan and decide to have a financial advisor. Working with a financial advisor increases the chance of growing your wealth and ensuring that you put these into good use.


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Here Are the Five Commandments of Investing


The Ten Commandments you have heard since childhood are laws used as standards that deal with man’s relationship to God and man’s relationship to his fellow human beings. These act like a manual for people on how to live a better life. Hence, these are like guidelines which help people to keep themselves out of trouble.

This article will teach you the counterpart of the Ten Commandments compressed into Five Commandments, to guide you in the world of investing and to keep your money in safe hands.

Is investing hard?

For the less knowledgeable, yes, investment is a hard concept and field to grasp; but for those who continue to enrich their knowledge, investing will come easy as it seems. Knowing the right principles and being able to adhere to these religiously can lead you to the path of investment success.


The Five Commandments of Investing

  1. Thou shalt be clear with your goals and avoid gambling.

 What separates investors from gamblers is that investors follow a mathematical formula and concrete strategies to be able to profit from their move. Gamblers are not fond of such. They bet their money on unknown and uncertain outcomes.

Do not just invest for the thrill or fun, rather invest for profit. In order to do this, having the discipline is essential to reach financial security and consistent profits. Growing wealth has a science behind it. As a perfect analogy for this one, you should have a particular destination in mind so you would not be lost when you are already at the sea.


  1. Thou shalt ensure that thy financial house is in regulation.

 One of the top responsibilities of an investor is to keep his or her personal finances in order first before jumping in the investing activity. Investing when you have debts scattered all around such as drowning in credit card bills and overdue fees can get you into serious problems sooner or later. Take care of your debts first before taking the plunge in the investing world.


  1. Thou shalt need to exercise due diligence.

 Exercising due diligence in investing means that you invest within the scope of your understanding. If you do not understand something, it is not advisable to take the risk and invest. When exercising due diligence, it also means that you avoid rushing into making an investment decision. You need to study all positions first before putting in your money.

You need to increase your understanding to be able to come up to an informed decision. Exercising due diligence also means that you know what risk management strategies you need to apply to protect your capital from permanent loss.


  1. Thou shalt avoid jumping on the bandwagon.

 This can be considered as having herd mentality (a well-known descriptor of human behavior since people learned to socialize) or the way people are being influenced by their peers to adopt some behaviors. This one applies greatly to the stock market. There is a difference between passive investing and passive investor. When you are a passive investor, you tend to digest all information presented to you and failing to thinking about it critically.

In the field of investing, you have to see things on your own in order to realize the true value of a stock.


  1. Thou shalt continue to invest in thyself.

As your portfolio and money grows, so your financial intelligence must increase as well. The level of your investment skills and knowledge reflects your investment results. If you want to improve your profits, you have to improve your financial intelligence.

Moreover, the best investment you can have is YOURSELF. As the good old saying goes, nobody can take away your learning and it can double, triple or even multiply your dividends a number of times for the rest of your life.



The above-mentioned guidelines can greatly help you with your investing career. Keep yourselves out of difficulties by observing these proven guiding principles.


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Learn the Top Mistakes Investors Do


For the fearful hearts keeping your money in cash and in the banks might be their idea of growing their wealth, but for the brave soul, investing in the stock market is their idea of wealth accumulation.

Fear would not take you anywhere. There might be unfortunate events that are uncontrollable, yet as it is always being said, increasing your knowledge and understanding about the stock market can help lessen the occurrences of unwanted incidents. Here are some of the top mistakes that investors tend to do and how you can avoid them.


  1. Not selling at the right moment

It is of utmost importance to know when to sell. This is the most difficult as an investor. You might be caught between selling winning investments too early and keeping losing investments with the hopes that they will soon recover. Thus, making you fear selling of stocks. To avoid such mistake, you have to establish an exit strategy and be alert if the market turns bearish.

It has been seen from history that during bear market stage even profitable companies can be severely affected. If you own a stock in a specific bearish sector, you should consider selling. No company would be safe from the growl of the bear. It is important to comply with the sale as to avoid losing money.


  1. Not applying objectivity

The opposite of objectivity as you know it is the quality of being subjective or being influenced by personal factors such as your feelings, tastes or opinions.

That is, being emotionally attached to your stocks might lead you to incurring losses in the end. As what experts say, only love a stock when it is making you money, and if it does not anymore generate anything for you, it is time to cut it off.

Also, it is a must to always base your decisions on reliable information rather than deciding based on emotions alone. It will produce remarkable results in the long run. Trading also using a proven methodology will prevent you from trading on emotion.


  1. Not taking into consideration earnings report

When you purchase a stock, you have to make it a point to be updated with the company at whatever form and cost. For publicly traded companies, they are required to announce their earnings report for four times annually. As an investor, you have to pay close attention to such events and use the following to your advantage.

Remember that it is already a bad sign when a stock fails to meet earnings expectations again and again.


  1. Not giving thought to high and excess fees


Fees are a form of spending that does not add any value to your investments. Actually, it detracts the long-term performance of your portfolio. You have to acknowledge that high fees cut your returns. Most of the time, investors tend to overlook this issue that fees can massively drag your portfolio.



Indeed, learning from the mistakes of others is one good way to avoid committing those mistakes yourself. The stock market is a complex system, you have to put in the time and effort to better prepare yourself. Always keep in mind that you have to avoid losses and take profits at whatever cost.


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Taking Charge of Your Money in Your 60s


Delaying retirement is not a common instance nowadays. Studies reveal that the average retirement age by Americans is age 62. A lot of people are retiring at age 65 or older since they find themselves not adequately prepared.

A number of retirees would solely depend on social security. If you are in your 50’s or 60’s and you feel that you aren’t yet ready for retirement, here’s how you can better prepare for the future. Ensure that you will have the funds you will need to enjoy a good life.


How do you picture yourself after retirement?

People have different concepts when it comes to retirement. There are people who wanted to spend the rest of their lives traveling, others wanted to ensure their children’s future, others would still want to work part-time to keep with the expenses, and a number would still be haunted by debts even after retirement.

Each person’s financial situation is unique. There is no one-size fits all retirement plan. If you are a firm believer of the saying, “it’s never too late,” then it is really never late for you. Especially when it is about retirement planning, do not let hopes abandon you.


What if you haven’t saved enough for retirement?

Most 60-year olds do not have enough money for retirement. This point in your life, you should take an honest perspective regarding money and retirement. Financially speaking, where are you compared to your peers? If you are lagging behind your peers, it is not the right time to get discouraged. Do not get stuck on that comparison – you just do what you can with the remaining time.


Why do you need to preserve your capital?

Individuals retiring soon should focus themselves on capital preservation. Capital preservation means putting your hard-earned money in conservative investments and keeping a practical lifestyle. Your retirement savings must last longer – such as living on less but with sufficient money to live with and not worrying about the years to come.

You must choose the best investment strategy where you can meet your needs and goals. You might want to divert your money to income-producing yet conservative type of investments.


Where should you start after a period of contemplation?

You might not be able to do it on your own. When talking about retirement, there are a number of factors that one needs to consider. This is where the role of a financial advisor enters the picture. A financial advisor can help you assess your risk tolerance, time horizon, investment knowledge and understanding, targets and how interest rates can affect you.

Advisors can help you increase your income-producing investments to get you ready by the time of your retirement. Aside from that, advisors can help you choose the right kind of investments depending on your goals.

You should also take into consideration that inflation, increases in property taxes, other maintenance fees, and rental fees can undermine your money. Hence, you can consider Exchange-Traded Funds (ETFs) as they are a low-cost alternative compared to mutual funds and other managed investments. In fact, they can offer higher returns as well.



You should not let it happen that you don’t have enough money to cover your after retirement expenses. Be open as early as now and reach out to those who can professionally help you.


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Discover the Blade Runner Trading Method


The Currency Market is regarded as one of the largest financial markets due to massive trading volume per day. Such type of market is open to all types of traders all over the world since trading deals can be done through an OTC (over-the-counter) network.

In this type of market, participants are free to buy, sell, exchange and take a chance on currencies. It has unique attributes and properties wherein investors become attracted to it since it can open opportunities for optimizing profits. Yet, it takes to know and apply an effective strategy to be able to reach your financial objectives in this market. In this article you can learn one of the most advisable currency exchange trading strategies recommended by experts.

The Need for an Effective Strategy

Not all created strategies apply to all existing markets. There are particular strategies that do better than the others. An individual trader must be able to discern a strategy that suits him and help him outlive the currency market.

It is true that markets have their own characteristics. Its major characteristics are as follows – it is highly liquid, it is open 24 hours per day except during weekends, and has the highest forms of leverage that both traders and investors can utilize.

Simply maintaining discipline when doing trading is important, yet it does not guarantee success. Hence, employing an effective strategy is vital – one that is tested and you can count on while you maintain the needed discipline in the field.

Picking the Right Strategy

When talking about currency exchange strategies, deciding on a specific trading method to carry out your trading plan is a must. Trading strategies help you determine advantageous entry signals that you can make the most of.

Considering the Bladerunner Trading Method

If you are looking for a strategy that works across all time frames and currency pairs, the Bladerunner is considered to be exceptionally good. Experts say that it is by some means considered as one of the best and easiest trading strategies.

This strategy depends on pure Price Action to be able to locate entries, which means that a trader tries to identify price action patterns. When using this one, candlesticks, pivot points, round numbers, support and resistance levels are brought into play.

It uses the 20-day EMA (Exponential Moving Average; a reference point for price action). The strategy is termed as Bladerunner for the reason that the 20 EMA represents a knife dividing a price. The bladerunner trader depends on the charts and then compares the real price action to be able to adjust their trades correspondingly. It simply means that when the current price action is beyond the EMA, chances are, it will drop soon and vice versa.

The crucial entry factor for this strategy is when there has been a break out of price from the consolidation or range before making a move, which means that the price must be trending. Moreover, monitoring news and announcements is really helpful. The most important thing to consider is to always trade with the current trend’s direction. You can simply know this by identifying the current price’s EMA or polarity indicator.


Considering a number of factors in the currency markets, an investor must remember that market volatility is inevitable. One sure way to surpass market turbulence is to be equipped with the necessary knowledge you need when doing trading with your choice of assets or securities. Having an adequate knowledge is necessary for you to predict the succeeding price movement – and be on the advantageous side.

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A Must Know: Computing Your ROI


One of the many essentials when investing is determining whether it’s all worth it by asking yourself the greatest question, “How much money did I make?” There are investors that do not do this basic stuff, maybe because they simply do not know how to or they do not know its importance.

In this article you both can uncover the importance knowing the basics of ROI as well as being able to compute it.


What is ROI?

This is a known metric or performance measure to gauge a certain investment’s profitability. ROI can help you sort out investments that are profitable and make a comparison with your other investments, too. It is just easy to compute and interpret, thus, you can apply it to a wide array of personal investments. It can aid you in making wiser decisions and moves.


Why knowing ROI is important?

ROI is important in knowing the efficiency on your investments. It aims to measure the amount of return in comparison with the investment’s cost. An investor cannot really assess his investments (i.e. stock, bond, rental property, collectible, option, etc.) without calculating for this one. It can give a concrete signal to any investor about the viability or practicality of a specific investment.


How to compute ROI?

When calculating ROI, the return of a particular investment is divided by the cost of the investment. The formula goes like this:

ROI = [(Gain from investment – Cost of investment)  / Cost of investment] x 100

Where, the gain of investment represents the proceeds acquired from the sale of the investment.


ROI = (Net profit / Cost of investment) * 100

The results can either give you a plus or a minus. A plus (a.k.a. positive result) means profit while a minus (a.k.a. negative result) indicates a loss.


What affects ROI?

With the given formula, there is one factor that does not appear in the calculation that can greatly affect ROI. Truly, it is a performance measure that has a simple calculation. Investors should know that TIME is one major factor that must be considered. An investment might indicate a 1,000% ROI and another one reflects a 50% ROI. By merely looking at the figures, the investment with a 1,000% ROI is alluring; however, one must be able to consider the influence of time. What if the first investment takes 25 years to flourish whereas the second one just needs a month to pay off? Hence, time periods must be strongly considered, too.



ROI is a powerful and useful tool to assess your investments. It does not mean that an ROI gives you a positive result and you can stay complacent. It can still falter in the future. Expected ROI are not useful since there is no data to back it up.


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