How Financially Literate Are You? 3 Things You Should Know About Your Money

Most of us received little guidance or instruction on how to handle money when we were growing up. That’s OK — we can learn now, a little bit at a time. Let’s start with the basics.

How do most of us learn how to use our money wisely and well? When we’re growing up, we’re given special instruction in important subjects — swimming, driving, sex — to arm us with info and keep us from harm.

Yet when it comes to managing our money — an activity that every one of us needs to do, every day — we receive surprisingly little preparation. We’re not taught much about it in school, because education systems leave it to us to learn from our families and friends. However, those people often don’t fill in the gaps because money can be such a loaded or taboo topic.

Natalie Torres-Haddad, who grew up in southern California, saw many people around her struggling with debt and financial instability. She was determined to be the exception, and she purchased her first rental property in her early 20s and earned an MPA in Finance & International Business. In the process, however, she became buried in debt. Only by teaching herself the basics of money — basics that she’d never learned — was she able to steady herself and her finances.

Today she leads workshops and sessions to prevent others from falling into the money pit. (She’s also the author of the self-published Financially Savvy in 20 Minutes ). She’s found that even among the college-educated people she meets, “the majority feel confused and overwhelmed about balancing their income and expenses,” she says. The stats show they’re not alone. A 2015 Ohio State University study reported nearly 70 percent of college graduates in the US say they don’t feel equipped to manage money and deal with their debt.

Not only must we get up to speed on the basics, we also need to start having honest conversations with each other about money, says Torres-Haddad. In the same way we’d tell family and friends that we’re cutting out refined sugar from our diets or practicing yoga to increase our flexibility, we should be open with them about the steps we’re taking to boost our financial health. That way, we can get advice and support. This transparency, she adds, can also make us less susceptible to peer pressure-related spending. How many of us have agreed to a pricey meal or weekend trip because we didn’t want to come clean about our money concerns?

Becoming financially literate does not require a huge time investment. Torres-Haddad believes we can start by dedicating 15 – 20 minutes a day to developing our skills and knowledge by learning new terms and resources. Just like attaining literacy in a foreign language, she says, “it’s an ongoing education.” Here are three things you need to know about your money.

1. Know How Much Money You’re Bringing in Every Month vs. How Much You’re Spending

Most of us can rattle off our salaries in our sleep, but could you do the same for your monthly after-tax income and where you’re spending your money every month? If you can’t, that’s normal. But now is the time to learn your actual take-home pay and your actual expenses (and not just ballpark figures or estimates).

For your income, look at your physical or online pay stubs, and start keeping a record of the after-tax amounts. If you’re a salaried employee, that number should be fairly steady; if you’re not, those numbers will vary.

For your monthly expenses, Torres-Haddad suggests writing down — whether it’s in a physical or online notebook — every single daily purchase (coffee, take-out, Uber, online shopping, etc) you make and every single ongoing payment you make through autopay or credit cards (Netflix, gym membership, car insurance, utilities, etc.).

If you’ve never done this before, you may find this uncomfortable — even painful — but it will force you to face up to your spending habits. It will also make these purchases visible. Often, our regular outlays (such as Netflix, Hulu, etc.) can go unnoticed or unquestioned, and our daily spends — especially if we pay by debit card so the funds are instantly drawn from our bank accounts — can go forgotten. Torres-Haddad calls the latter “runaway spending” — “when the little things that you thought cost only a few dollars actually cost much more” in the long run. Take a daily $5 green smoothie. By making them at home, you could save yourself a few hundred dollars in a month.

After you have a fundamental understanding of income and expenses, you can download an app to help you track these categories; see your bank account, credit-card and loan balances; and organize your purchases into buckets so you can identify areas where you might cut back. Two free apps to try are Mint or Charlie, says Torres-Haddad. But, she cautions, apps can be a little “out of sight, out of mind,” meaning if you need extra help to be aware of your spending, stick with the pen-and-pad (or fingers-and-keyboard) method a while longer.

2. Know Your FICO Score and Your Other Credit Scores

While you don’t need to have a good credit score to be financially literate, you must know what it is. ( Note: Most of the information in this section applies to people living in the US.) In the US, FICO was the first company to offer a three-digit credit-risk score for lenders to use when deciding whether or not to approve a loan or line of credit, a credit limit, and an interest rate. There are three other national credit reporting bureaus — Experian, Equifax and Transunion — which also keep track of all your loans (student, auto, personal, etc.) and your balances and histories for all your credit cards (whether issued by banks, stores or businesses).

However, the FICO score is the one most frequently used when you apply for credit cards, mortgages and most types of loans; rent an apartment; or sign up for utilities. FICO scores range from 300 to 850; 670 and up is seen as a good score and 800 and up is excellent. While the FICO score is calculated with a proprietary algorithm, the primary factors that go into it are your repayment history (do you pay your credit-card bills on time? how late are you?), how much debt you’re carrying on cards and loans, how long you’ve successfully held a credit card or loan for; and whether you’ve managed to hold a mix of different kinds of credit.

Most banks and credit cards offer free access to your FICO score on their mobile apps and websites ( here’s a list of the ones that do). If you don’t use one of these companies, you can also find out how to access your score on FICO’s helpful FAQ, including a chart showing where your score falls between “Poor” and “Exceptional.”

Besides checking your FICO score every year, do an annual check of the reports issued by Experian, Equifax and Transunion. This is so you can verify that they’re correct, make sure no one has opened up a line of credit in your name, and see where you might improve. You are entitled to a free copy of a credit report from each bureau once a year. Beware: Many sites will charge you a fee, so use the federally approved and secure Annual Credit Report site.

If it’s your first time checking or you’re about to make a big purchase (such as a car or a home), Torres-Haddad suggests getting all three reports at once. After that, she recommends spacing them out throughout the year. That way, you can quickly catch any errors, fraud, identity theft or any other actions that could hurt your credit history. Mark your calendar so you know when you can request your next free credit report.

3. Know How Much Credit Card Debt You’re Carrying

Knowing how much credit-card debt you’re carrying — and how quickly it’s increasing due to interest — is critical to your financial literacy. Make a list (on paper or on a computer) of each of your credit cards, their current balances, and their current interest rate. Then, put them in order from highest interest rate to lowest.

In general, says Torres-Haddad, this should be how you should prioritize paying them off, paying as much as you can towards the card with the highest interest rate while paying the minimum on the other cards. Called the “ debt-snowball method,” this was popularized by money expert Dave Ramsey.

If you have any cards that offered a 0% APR as a promotion when you signed up, mark down the date on which the promotional rate expires because that’s when you can expect your debt to accumulate at a high interest rate (20% or more). Try to budget your monthly payments so that this card will have little to no balance when that expiration date arrives.

Believe it or not, having a credit card can be a great thing for a person’s FICO and credit scores — if you use it responsibly. Of course, carrying no debt on your cards is best. Otherwise, Torres-Haddad recommends using no more than 30 percent of your available credit limit. So if you have two credit cards with limits of $6K apiece, totalling $12K in available credit, make sure the total balances you’re carrying do not exceed $4K.

If you’ve managed to pay off a credit card, congratulations. But while you may be tempted to close it, Torres-Haddad advises against it. Why? Closing the account will shrink your total amount of available credit and cause your credit score to dip. Instead, delete the card number from any online shopping accounts, cancel any auto-pays billed to it, and freeze the card in ice. It may sound silly but it means that if you want to use it, you’ll be forced to wait for it to defrost — and forced to take a little time to think about your purchase.

When choosing a new credit card, look for ones that offer incentives — such as travel points or cash back — which could help you and your finances. Torres-Haddad recommends going to nerdwallet.com and bankrate.com to compare credit card offers.

Obviously, these three points represent just a small part of financial literacy. That’s why Torres-Haddad urges people to be patient and to learn gradually. Two books she recommends are Napoleon Hill’s Think and Grow Rich!  and Robert T. Kiyosaki’s Rich Dad, Poor Dad. For those who like to get information through listening, she suggests the “Popcorn Finance” and “Her Dinero Matters” podcasts.

When you can, supplement your research with an in-person workshop, adds Torres-Haddad. “Even going to one financial literacy workshop can have a life-changing effect,” she says. A good time to find free workshops is April, which is Financial Literacy Month in the US. One of the best investments you can make in your life is to educate yourself about money, says Torres-Haddad. “It can really give you a lot of peace of mind.”

By: Erin McReynolds

Source: How Financially Literate Are You? 3 Things You Should Know About Your Money

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5 Signs It’s Time to Change Your Financial Advisor

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How do you manage your finances? Do you have a financial advisor, or do you do it yourself? If you’ve taken the DIY (do-it-yourself) road, you’re very much in line with fellow Europeans

A CNBC and Acorns survey reveals that only 17 percent of Europeans use a financial advisor for their finances. One must note that these findings are from the March 2019 edition of the survey. The October edition of the same poll puts these figures close to 1 percent. While we understand that it’s a huge difference, the rather valuable insight is that very few Europeans use a professional financial expert to manage their finances and instead rely on their knowledge, expertise to handle their money.

However, is that a brilliant strategy? The answer would be both no and maybe. Let’s take up the first part of our answer.

A survey from GoBankingRates.com finds that a majority of Americans can’t even answer basic financial questions, a finding consistent with other similar studies. So it makes a little sense for people to manage their own finances.

However, there is a flip side as well. Financial experts believe that the availability of relevant information online, videos, articles, infographics, could be a reason why more Americans are confident in handling their money.

Are you in a similar dilemma: hire an expert or DIY? We’re going to find out what a financial advisor does, when is the right time to change your financial advisor, and how to choose one?

Why should you hire a financial advisor?

If you were to get a dental implant, you’d probably go to a dentist instead of your spouse do it for you, right? Sadly, when it comes to managing finances, many spouses (15 percent) leave financial management to their partners.

Research finds that have a financial advisor can have a profound impact on your financial health. More than 66 percent of Americans with a financial advisor feel financially secure against 30 percent without a financial advisor at their side. Having a financial advisor gives them a sense of moving in the right direction.

While some may be skeptical of advisor fees, research finds that the right financial advisor can very well compensate an investor for the asset management fees through impressive returns.

Copyright: Portia Antonia Alexis

Here are a few of things that a financial advisor can do for his clients:

Help you define your financial goals. What are your short-term goals? How do you see yourself financially after 25 years? How much money would you need during retirement?

These are some of the most common financial questions you may have. A financial advisor can help you define specific short-term and long-term goals and create a strategy to achieve them.

For instance, if you’re saving for the down payment of your first house, where should you keep that money? Or how much money do you need in the first place? Is your checking account the right place to keep it? Your financial advisor understands your housing requirements and can give a ballpark idea of how much money you may require. Similarly, he can suggest the right saving instruments, such as a high-yield savings account, to deposit your money.

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Similarly, your financial advisor can help you identify your retirement goals. Instead of having no estimate, he can put together a figure, backed by an investment strategy, to offer a sense of financial certainty.

Find investments that work for you. Not every investment suits your retirement portfolio. If you’re well in your 50s, investing in equity might be a risky choice. Similarly, if you’re in your late 20s or early 30s, putting all of your money in bonds or CDs may not be the smartest way to grow your wealth.

A financial advisor understands your goals and picks investments that will help you achieve them. Furthermore, he can advise investments that suit your risk profile, thereby limiting your overall risk exposure.

Let’s take the above example. For someone in his 50s, it is best to apply a conservative investing approach that focuses on consistent long-term returns instead of growth. At the same, a portion of your portfolio should be invested in growth-oriented financial instruments to fund your income for the next several years.

Help you gain more financial control over your life. Research finds that people having a financial advisor finds themselves in control of their life. Nine out of 10 Americans reveal that having financial order in their house makes them both confident and happy.

Financial problems can cause stress, and it’s not just major money issues, such as bankruptcy or an overwhelming amount of debt. Sometimes, it’s more about having financial control in your life, knowing how much money you’re bringing in, where you are spending it, and are you moving toward your financial goals.

A financial advisor helps you understand money better, creating strategies that work in your favor. You can be relieved of your stress with the right financial expert by your side.

Hold experience in addressing, resolving financial challenges. Financial advisors hold years of experience in managing finances, and as much as you would like to consider your circumstances unique, they’re often not. The chances are quite solid that your advisor has already helped someone facing the same challenges.

Let’s take the example of debt. If you have a huge debt, which only seems to grow despite your regular payments, your advisor can create a strategy to repay your debt, negotiate better payment terms, and guide you through the entire process. If you have a mix of debt, with both high interest and low-interest loans, paying down the most expensive debt while making minimum payments on others might help you save money on interest payments.

The key is to be transparent and as open as possible about the issues. By working together with your financial advisor, you may just regain your long-gone financial freedom.

As good as it may sound, not every financial advisor has your good interest in his mind. It’s critical to evaluate the performance of your investments regularly, ensuring that your advisor is keeping the promises he or she made initially.

Let’s have a look at some signs that indicate that you need a new financial advisor.

1. You’re not on track to meet your financial goals.

Most of the financial advisors will start a relationship by understanding your financial requirements, goals, and challenges.

They’ll list your short-term and long-term goals, and advise strategies to achieve them.

All good so far, but you suddenly notice that your investments aren’t helping you achieve your financial goals. In fact, if anything, you’re nowhere close to your financial goals or even on the right track.

It’s understandable if the investments occasionally miss their mark, but if that’s not the case, you need to change your advisor immediately.

As a responsible investor, you must track your financial goals and returns periodically.

2. Your advisor recommends investments that aren’t suitable for your portfolio.

Every time you speak with your financial advisor, he pitches a new investment product and instead insists on purchasing it. Sounds familiar? That’s a red flag, and if it’s happening with you, consider having a new advisor.

Every investment product or financial instrument has a risk profile, and the product must suit your risk tolerance level. It’s your financial advisor’s job to recommend products fitting that criteria.

Instead of blindly investing in a financial instrument, do some individual research, and if you have doubts, ask your financial advisor. One must understand that financial advisors often receive commissions for recommending a product, so you should always do personal research.

3. Your life is due for a significant change.

Are you on the verge of retirement? Is there a major life event that would affect your financial life? You need to make sure that your financial advisor is qualified for your new economic requirements.

Most investors tend to stay loyal to their long-term financial advisors, and for all the right reasons; however, if you’re retiring or there’s another financial change in your life, your financial advisor should be able to realign his financial strategy to suit your needs.

The best way is to ask your financial advisor for recommendations or suggestions and crosscheck it with a third-party expert. You can get professional advice on a per-session basis, so you don’t need a new advisor simply to validate the new strategy.

4. You’re not receiving monthly or quarterly reports.

Most of the financial advisors provide monthly, quarterly, and annual reports to their clients. That’s how you track how your money is doing. These reports should be detailed, helping you identify realized profits or losses, understand how your portfolio is doing, and provide a list of relevant accounts, such as portfolio number, demat account, 401k account or Roth IRA account number.

Additionally, you have complete rights to seek access to your online investment portfolio. Your financial advisor should have no problem whatsoever in sharing it.

However, if you don’t get at least quarterly and annual reports, it’s time to ask questions, and if your advisor isn’t answering, there’s your cue.

5. Your advisor changes your portfolio without informing upfront.

Did your financial advisor add a new product or investment without consulting you? It’s a common practice among financial advisors to rebalance your portfolio for maximum growth or minimizing any impact from market volatility, provided you gave them consent upfront. However, if you didn’t do it and your advisor anyways changed your portfolio, it’s time to find a new advisor.

If you’ve identified one or several of these red flags, its likely time to change financial advisors. Here are a few suggestions for hiring the right advisor this time around.

Find out if your financial advisor is a fiduciary. Fiduciaries are investment advisors who are registered either with a state regulator or the SEC. It’s their duty to act in your best interest, and in case of any possible conflicts of interest, they must notify you in advance.

You must understand that not every investment advisor is a fiduciary, and stockbrokers, broker-dealers, and insurance agents aren’t bound with the same duty to work in your best interest.

You can ask your financial advisor for his registration number and crosscheck it on the NAPFA (National Association of Personal Financial Advisors) website.

In addition to the fiduciary standard, find out if your financial advisor has any specific certifications, such as CFP (Certified Financial Professionals), ChFC (Chartered Financial Consultant), or AIF (Accredited Investment Fiduciary). It’ll help you understand their qualifications and whether they’re suitable for your financial requirements.

Ask how your financial advisor gets paid. How a financial advisor gets paid can have a massive impact on your portfolio composition. Financial advisors operate through with different fee structures, where some are fee-only advisors, whereas others may receive a commission to recommend a particular product. There are other fee models, such as asset management fees or success fees (hedge funds).

While there are no rules defining the ideal compensation models, it’s critical that your financial advisor discloses it.

Verify credentials and customer feedback. Checking the credentials of your financial advisor is only the first step. It’s critical to find out if there’re any possible complaints registered against your advisor. You can do that by merely going to the SEC website, CFP® Board, or checking your advisor’s records with the FINRA (Financial Industry Regulatory Authority). If you find a complaint, ask your advisor about it, although multiple complaints are a red flag.

In addition to checking official records, ask your financial advisor for references. Any good advisor would be happy to share them. Speak with the previous or existing clients of the advisor and get thorough feedback. You can search more about your financial advisor online.

The right financial advisor can make your life better, peaceful, and financially rewarding. It’s crucial to do thorough research before hiring a financial expert. Even when you have someone looking after your finances, make it a habit to track your portfolio. A little bit of caution and routine checkup will go a long way in securing your financial future.

Portia Antonia Alexis

By:

Source: https://www.entrepreneur.com

This video discusses some common types of financial advisors, the key differences between them, and why you may choose to work with one. We post educational videos that bring investing and finance topics back down to earth weekly. Have a question or topic suggestion? Let us know.
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Financial Analysis : Analyzing Your Business 360 Degree Health

Financial planning and analysis are the integral part of business operations and help determine a company’s growth, profitability, sustainability, and overall financial performance. Organizations need accurate and measurable methods to determine many aspects of their finances so that they know how well they are doing in the market.

 “The Federal Reserve Bank of Chicago’s recent Small Business Financial Health Analysis indicates business owners knowledgeable about business finance tend to have companies with greater revenues and profits, more employees and generally more success.”

Organizations need to be prepared for the future with business impact analysis and build successful strategies that are profitable, and investments that are sound. Availing financial analysis services can enable companies to have improved revenue and profitability by using financial data to drive and control business progress. 

The Essential Components of Financial Analysis

The Essential Components of Financial Analysis

There are many key components of financial analysis that help businesses see a complete view of their financial health. This helps them be better prepared to understand what strategies are impacting their business positively or negatively, so that they can make internal adjustments that will pivot them in new directions successfully. In fact, the same report by The Federal Reserve Banks of Chicago asserts that “understanding one’s finances and financial statements is a critical part of being able to assess what a business needs to survive and grow.”

Here are some of the most essential components of financial analysis:

  • Revenue Revenue is a measurement of a company’s overall net profits from sales, services, and from employee performance but typically doesn’t include one-time revenues. It’s typically a company’s core cash source, and lasting success can often be determined by the quality, timing, and amount of revenues.

For example, analyzing Revenue Growth would include revenue from this minus last period’s revenue, divided by last period’s revenue, and should never incorporate one-time revenues or results could be skewed.

  • Income Statement Financial statement analysis detailing financial performance over a certain time period and helps to predict how a business will perform in the future by looking at gross profit margin, net profit margin, and operating profit margin.
    • Balance Sheet Balance sheets help determine how you are best generating revenue and reports liabilities and assets and measures ratios like debt to capital and debt to equity.
    • Cash Flow Statement Reports cash from financing, investing and operations and helps to accurately measure cash flow from how much cash is being generated over particular time periods.
  • Profit Companies that fail to consistently product high quality profits are at risk when it comes to lasting survival. Consistent profits are a sign of long-term growth and is measured by your gross profit margin, operating expenses, and costs of goods.

For example, Operating Profit Margins determine an organization’s ability to generate a profit no matter the method of financing operations, such as through debt or equity. So, the higher the operating profit margin, the better positioned a company will be. Taxes and interest aren’t a part of operating expenses during analysis of this factor.

Net Profit Margins, on the other hand, are the remainders of what can be reinvested in a company and distributed to wonders via dividends. This is typically measured by a formula that subtracts operating expenses, cost of sold goods, and other types of expenses from revenues, before dividing by revenues.  

  • Capital and Solvency This helps to determine a company’s ability to meet its fixed expenses for long term growth by how much they spend in relation to the cost of their products and services.

The return investors are producing from a company is represented by the Return on Equity, which is an important factor that should be included in a business’s financial analysis.

Also, Debt to Equity is another critical element because this helps businesses understand how much leverage they’re relying on to operate efficiently, and this must not exceed a sensible amount for the company.

  • Liquidity Measures how much money you can generate to cover cash expenses compared to what you purchased something for and how much you can sell it for without affecting the market price.

A financial analysis of this can address a company’s ability to produce sufficient cash flow to cover all of their various cash expenses. Generally, it’s understood that there’s no quantity of revenue growth, for example, that can counteract bad liquidity.

In this aspect of financial analysis, Current Ratio and Interest Coverage are evaluated. The former includes the business’s ability to pay any short-term cash commitments, while the latter calculates a business’s ability to cover interest expenses from any generated cash flows.

  • Operational Efficiency The higher a company’s operational efficiency, the more profitable it is, and it measures the financial activity of transaction costs that have to do with a company’s investments. Basically, this calculates the company’s ability to utilize their own resources to their best advantage, and poor operational efficiency can often equate to less profits and growth.

To measure this, a financial analysis should incorporate Inventory Turnover, which is how well the company manages inventory. Higher numbers indicate that the company is doing this well, while lower numbers could mean that the company is over-producing for the amount of sales they’re generating, or they’re simply not selling enough.

Accounts Receivables Turnover should also be included in the analysis, and this would assess how well the company manages any credit that’s being extended to their clients or customers. In these cases, higher numbers are an indication of well-managed credit, while lower numbers are a good indication that the company needs to re-evaluate how they manage their collection process from their clients and customers.

Benefits of Financial Analysis

Benefits of Financial Analysis

Financial analysis helps business owners and managers make financial decisions and choose the best route for investments based on historical data, trends, and other financial factors. Conducting a financial analysis uses balance sheets, income and financial statements, and cash flow statements. Here are the benefits of financial analysis:

  • Measure Economic Trends Before you make impactful decisions and allocate resources to new investments, you can use past data to measure economic trends that will positively or negatively impact your business’s finances.
  • Compare Competitor Performance Understand the strategies and investments that your competition is making in the market so that you can identify the best approaches for your own company and corresponding industry.
  • Measure Future Profitability Measure and estimate how well your investment strategies, and product and service offerings are going to perform in the market and how that will impact your company’s future growth opportunities.
  • A Complex View of Financial Data Identify many different components of your finances with fundamental and technical analysis, such as earnings per share (EPS), and from trading and price movements.
  • Discover New Investment Opportunities Find key opportunities, improve investor information, learn more about emerging and alternative markets, and improve stock market trading.
  • Understand Financial Management Adjust financial management strategies, better allocate resources, improve financial planning, help financial efficiency, mitigate uncertainty, identify problems, and make more consistent decisions.

Outsource Financial Analysis to the Research and Analysis Experts

Research Optimus (ROP) has over a decade of experience providing financial business analysis for start-ups, small businesses, and enterprises in different industries all over the world. ROP’s researchers and analysts are tenured in using business analysis tools for financial research, business valuation, credit research, financial risk analysis, and more to help assist businesses make the best strategic financial decisions possible. Our team of analysts is ready to assist you; contact us for more information about our financial analysis services.

By: https://www.researchoptimus.com

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The StudyTube Project

Hey guys, it’s @Lydia Violeta​ here! Today I’m going to attempt to explain how you can analyse and measure the success and health of a company, using financial and non-financial indicators! I hope this makes sense, and let me know if you’d like me to make more business content for this channel! 🙂 For more from the StudyTube Project: Instagram: https://www.instagram.com/thestudytub…​ Twitter: https://twitter.com/thestudytube​ For more from Lydia: YouTube: https://www.youtube.com/channel/UCgjF…​ Instagram: https://instagram.com/lydiavioleta_/​ Twitter: https://twitter.com/lydiavioleta_​ Thanks for watching and make sure to subscribe! 🙂 x

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Legal Tech Artificial Intelligence Market SWOT Analysis and Key http://www.openpr.com – Today[…] in the LegalTech Artificial Intelligence industry on brand overview, profile, market revenue, and financial analysis […]N/A

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