bookmark_borderIs AT&T Stock A Good Buy in 2019?

AT&T Stock Forecast and Performance

With a 6% dividend yield, the company AT&T is a solid, stable company to buy, at its current price is around $30 dollars and solid revenue and relatively low debt makes it for a good stock pick, today I’ll be buying 30 shares of them.

As you can see in the above chart, the price action for AT&T has been relativity stable in the past few years, this company has had it’s ups and downs however this is in my opinion a solid investment, specially if you are looking to receive dividend payments every quarter, why do I believe this is a good buy? Well, it is very simple for me, look around, virtually every human being in the United States uses a smart phone and they have a limited options of carriers, in my personal experience AT&T provides excellent coverage nation wide at very competitive prices, their revenue continues to grows and I do not see demand for this company going down at all, if any, this company continues to grow every year and now that 5G is a possibility, earnings should go up which will push stock prices even higher.

Now, even though I am providing here a positive outlook for $T you have to always do your own research and pick your stocks based on your own opinions and your own research, I am not a professional stock picker or finance adviser, this information is just for entertainment purposes.

So, if you are a dividend investor like I am, you will find a lot of value in buying a company that has been paying dividends for many, many years. See, I invest for cash flow and I love receiving quarterly dividends no matter what the share prices are, my plan with any dividend paying company is to hold the stock for a long time until they decide to cut the dividend, from my own personal experience, receiving dividends is a great way to invest long term and collect payments as you hold on to the stock.

Also you have to remember that investing is a process where you want to always get the best prices, you are picking individual stocks and you have to get them for the best price possible, I rarely will invest large amounts of money in one single stock, what I usually do is initiate my position of a small amount of shares and then I will average down if the stock prices decline, if the stock is valuated too high I will wait for a pullback until I get the price that I want, this strategy has worked for many years for me and has given me very good return on my investment while I collect my dividend payments.

ATT Stock Chart
Price chart for $T Stock

Is AT&T Stock Dividend Safe

Here is the deal, there is really no guarantee out there that a company will keep their dividend payments to investors, there is risk in every investment that you make, even if you only buy an ETF, there is always the risk of a dividend payment being cut, just take a look at Kraft Foods, they had been a stable company for a while and they just cut their dividend, so is the AT&T stock dividend safe? Well in my personal opinion, it is and the reason for that is because this company generates enough revenue to cover the dividend payments, their balance sheet is solid and their debt is not as high as other companies. Even though they are a Telecommunications company and they need to invest large amounts of capital into developing the infrastructure needed to maintain their customer base, I do not see them cutting their dividend any time soon, now once again, I am not a professional stock adviser so take the time to do your own research and invest based on your own findings.

So why does AT&T Stock keeps going down?

As you may already know, the stock prices are all based on what people think the share prices are worth, a company can be very profitable and have the best balance sheet and the stock prices could go down, for example if there are bad news about the CEO or some scandal, the stock prices could go down, through out the years, there have been other companies and competitors that come into play, also the company has made some acquisitions and other investments that the public may not like which causes the stock prices to go down, even though this is not affecting the profitability of the company, it could still cause share prices to go down, like I said, the market determines what the share prices will be and this one of the reasons why the stock could be in the decline, this is where having a strategy like averaging down could be beneficial in a case like this.

So what can you do to protect your self when a stock continues to go down? Well there are a lot of things that you can do, one of the things that I do that work pretty well is to look at the price chart and do some technical analysis, when you look at the chart you can determine what the good support and resistance points are, if stock prices are hitting or at least getting close to the all time low prices then in my opinion this is when you need to buy shares, if you look at the chart and find where the support levels are and you can buy at these prices then in my opinion you are entering your position in a good spot, this will protect you since the price decrease will be already reflected in the share prices and you will get the best price for the shares, as people say, buy low and sell high still works even in the stock market and this is a strategy that has worked for me for a long time, not only are you getting share prices at rock bottom but you are also protected a bit since in most cases the market will recover and you will get the resistance levels and you will be able to profit from the price movement and from the dividend payments as well.

Learn more about technical analysis and be a better investor and day trader

Learn how to read stock price charts and how to do technical analysis, if you want to make big money from the stock market download this guide that will help you how to turn a profit on your trades, the Candlestick Trading Bible can help you become a professional day trader, click on the image below to find out more and start making more money in the stock market.

November 2019 Update

As of November 3rd of 2019 I am happy to say that $T has been one of my best performing stocks, not only have I received several dividend payments but I am up almost 30% on this position, looking back the main reason why I bought AT&T stock is simply because of the demand for their services and products, Telecoms are on high demand and they will continue to grow their revenue and pay a high dividend in the future.

bookmark_borderWhy Having Great Credit is Important When Investing in Stocks

If you have been buying and selling stocks for a long time, you have probably realized that having great credit is important, specially if you are using a Margin Account to buy and sell shares, day trading is not really something that I do much, but sometimes you buy a stock that goes up really fast and you find yourself in a situation that might force you to sell a stock for a higher price, there are many platforms like The Robinhood App that allow you to buy and sell stocks with no commission fees that also have Margin Accounts, this is a great option for people who have great credit and want to be able to add more money to their position without having to pay high interest fees. Today we are going to discuss the importance of having a great credit score and how you can benefit from this when buying and selling stocks.

Can I open a Margin Account even if I filed for Bankruptcy?

Filing for bankruptcy is never an easy decision, more so in recent times with rules having been made more rigid. Of course there is the factor of social stigma that plays on a person’s mind, but the fear of a battered credit report is perhaps even more maddening. It has happened many times in the past that once a person files for bankruptcy, his credit suffers so badly that it becomes difficult for him to secure a housing loan even at high rates of interest. However, it is not mandatory that credit rating should suffer badly always after bankruptcy. Let us have a closer look.

As per the rules, bankruptcy rules your credit ratings for no less than 7 years. The verdict of the court regarding your bankruptcy case is sent directly to the three major firms that give credit reports, and in your next report, the court’s ruling is reflected. If you had a decent financial transaction history in the past, bankruptcy eliminates all this record like your timely repayments to banks and other lenders. This obviously hurts your credit ratings and your FICO score may nosedive about a hundred points. However, in most instances it is seen that people who file for bankruptcy are also the people who have difficulties in repayments to banks and have already missed on their utility bills. When all this record gets erased, people are surprised to find that their credit score is not that badly affected, and in some cases, even improves a bit after they file for bankruptcy.

In any case, the effects of bankruptcy on credit report are not permanent and once your liabilities have been discharged, the negative impact of bankruptcy on credit report also begins to show a decline. If you are alert to the requirements of your credit report, you can take steps to start working to improve your credit score. The first thing you can do is to improve upon your credit worthiness. You must ask for latest credit reports from all three bureaus to check if your debts have been cleared with filing of bankruptcy which is a natural process. Now you have only a few debts remaining upon whom you need to concentrate by starting to repay them regularly. You will find that by doing so, your credit ratings improve as you are now considered as worthy of credit. Taking a new loan and servicing it regularly is another option that helps to improve your credit ratings.

Bottom line is, if you have filed for bankruptcy and you have a history of bad credit I highly recommend that you get your finances in check before even considering buying stocks, I would first pay off debt aggressively, once you do that I would open an emergency fund of at least 3 months of your current salary, paying debt guarantees a return on your investment and having a highly liquid account (checking) that will allow you to have access to money when you needed, once you do that then you can start investing in stocks even if you are using margin.

Does using a Margin Account or not using all of your credit affect your credit score?

It has become a fad among the population to keep more than just one credit card in their wallets. People with more credit cards are perceived as having a higher status forcing people to keep many cards at a time while keeping a few of them unused. Experts view this as bad for the health of your credit score and suggest cancelling all unused credit cards if the primary objective of a person is to maintain his credit score. It is better to keep cards open and not unused. What people do is to keep a card unused anticipating to use it only in a financial emergency. Ostensibly this is a clever move to bail you out from a situation where you run out of cash suddenly.

If there is no legal problem, or the credit card company is not charging any annual fee, there is no harm if you keep the card inactive. Zero balance cards do not hurt credit score so there is no use closing such credit cards. In fact, it is Credit Card Company or the bank that issued it that gets financially hurt because of no use and the card gets closed by the issuer.

When you close an account, your credit score falls slightly because the credit limit associated with the card is gone. Another ratio that is called utilization rate (balance to limit ratio) increases with closing of an account. This causes a setback and temporarily the credit score of a person suffers. In fact, if you need to apply for a loan in nearby future, it may not be prudent to go in for closure of any credit card accounts, even if they happen to be unused for a while.

Unused cards could hurt you financially if they are charging annual fees, and if you happen to have 4-5 unused cards, imagine losing out on around a hundred or more bucks just to keep unused cards with you. Credit card experts suggest closing out unused cards after following all requirements from the credit card company and never to close the oldest credit card in your possession.

No one can be sure of how FICO score works though there are always tips from experts on how to handle your credit cards to not let your credit rating affected. Among these tips is not to avail too many cards and to keep cards with you for at least a year before closing them.

Overall, you always want to maintain a good credit score no matter if you are planning on investing in the Stock Market or not, a healthy credit line is important to build more credit and to have credit ready to be used if needed, the key to having great credit is to pay back your debt, the faster you pay back the lower your interest rate will be, that is the key and the more you prove that you are willing to pay back the more you will be trusted

Hope this was useful to you, if that is the case feel free to share my website and to use the products and services that we recommend, thanks for visiting.

bookmark_borderIs Caterpillar ($CAT) a buy in 2019? Find out here!

Caterpillar is one of the biggest companies in the United States to sell heavy equipment and machinery, they are a Fortune 100 company and they make 45 to 50 billion dollars a year, today we are going to talk about this company and we will decide if $CAT is a buy in 2019.

Disclaimer: I am not a stock market professional or a financial adviser, please invest based on your own research and at your own risk.

So here is a little bit of history regarding Caterpillar Inc, they are a based out of Illinois and they were founded in 1925 in California, they operate worldwide and they manufacture, sell and distribute engines and heavy equipment powering many industries and companies out there, Caterpillar current Market Cap of $79 Billion dollars and they have a good Price to Earnings of 13.55 as of today.

So, why am I interested in this Company? Well there are several reasons, many analyst have their own opinions and they make their own recommendations based on many factors but one of the reasons why I like this company is because they are currently trading at about $138 dollars and their stock pays a Dividend of around 2.5% which comes at .86 cents per quarter or $3.45 every year. One of the biggest reasons why I like to invest in dividend paying stocks is because I am a long term investor and it is very nice to collect dividends while you hold the stock, for me to sell a stock it needs to have a fast movement on the upside of 25% or more, if that is not the case I am fine with waiting for a long time and let the share increase in price as I keep my investment position.

Inbox27.com
Inbox27.com

Another reason why I am interested in adding more shares to my current position in $CAT is because of their good revenues, during 2018 they reported great earnings and good margins of profit, their balance sheet is ok and they are a world wide company that is has great brand power and is recognizable in many countries.

Below are some facts about this company so you can consider the stock and make your own decision based on your own research:

Stock Assessment – Caterpillar
Valuation and factors that move the stock
09/08/2018

Caterpillar – Company Information

Company Name And Ticker Symbol: Caterpillar – $CAT

Company History: Caterpillar Inc. is an American Fortune 100 corporation which designs, develops, engineers, manufactures, markets and sells machinery, engines, financial products and insurance to customers via a worldwide dealer network. It is the world’s largest construction equipment manufacturer.[2][3][6] In 2016 Caterpillar was ranked #59 on the Fortune 500 list and #194 on the Global Fortune 500 list.[7] Caterpillar stock is a component of the Dow Jones Industrial Average.[8] – This information came from the companies Wiki and it provides a basic idea of where what the company is about and how they got started, as you can see designing and manufacturing engines is not really the easiest business to start, it requires a lot of capital and a lot of Engineering and this gives them a good competitive advantage, they also are very diversified and they have other assets that makes this company very valuable and a good one to possibly invest and collect dividend payments as you hold the stock.

Company Stock Information and Finances:

Stock Price: $141.32 (Down to $138 dollars in 2019) – Note that many stocks moved down the past 6 months due to Trade Wars with China and other factors, this gives you a good opportunity and entry point of you do decide to invest in them.

Market Cap: $79 Billion Dollars and share prices were up to $164 (52 week high)

Dividend Amount and Yield on Cost: $3.44 per share / 2.43% – Dividend payments are paid quarterly and they pay $.85 dollars per share, January 18th 2019 was the last ex dividend date to be able to collect payments for them.

P/E Ratio: 16

Trailing EPS: 9

Here you can see the profits and earnings chart for $CAT

Caterpillar Profits
Yearly revenue for $CAT

Annual Revenue and Growth: $51 Billion dollars in Revenue and $5 billion in profits

Revenue per Employee: $448,000

Company Popularity:

How popular is the Caterpillar stock
Caterpillar World Popularity

Brand mentions in Search Engines and Video Websites:

Why do I use the Company Popularity Metrics to analyze a company? Well the answer is very simple, you have to remember that stock prices go up on down based on many factors, one of these factors is Branding and Popularity, sure it is nice to invest in a company and a business that you have passion about but if no one knows about this business not many people are going to buy their shares, the opportunity to be liquid is going to be low and not many people will be interested in buying shares, this could move share prices in a negative way, I like investing in companies that the public knows about and want to learn more about, if the company is not known and prices are high then it would not be a good investment for me, now you also have to remember that this could also be a negative, news travel fast and if a company is not performing well, share prices could plummet really fast, these are tools that will help you decide if this company is a good investment for you or not.

To find out more about this stock feel free to visit their Yahoo and Finviz page.

Want to Invest in Caterpillar? Here is how!

Are you ready to invest in $CAT and do not know how? Here I will show you how and were you can buy shares, as I mentioned before you always have to do your own research, investing comes with it’s own risks and there is always potential for losses, dividends are a way for me to hedge and I always like to average down when a stock is down trending, however risk can come with big rewards too, if you are ready to invest in this stock I am going to show you how.

To start investing today I am going to show you where you can buy shares with no fees, all you pay is for the share themselves and you can start collecting dividends, the app that I use is Robinhood and it works on your Android and Apple phones, you can start investing for very little and if you open an account today, you will get a free share from another company.

To open a Robinhood account follow these steps:

Learn how to invest
Download the Robinhood App
  1. Go to Investing4Profits.com on your smartphone and find this article
  2. Click on this Robinhood link and fill out the form to open your account
  3. Answer all of the simple questions to get your account and bank information verified
  4. Once your account is verified use the search option to find the Caterpillar stock
  5. Remember that you can only buy shares during active trade hours
  6. Use the chart to find the lowest price and hit the trade Button to buy or sell shares

Simple as that, now you are an active investor and you can start trading stocks for free, my investment style is to buy and hold for a long time but you can develop your own investing strategies and style, good luck!

November 2019 Update

As of November 3rd 2019 I am up 14% on Caterpillar, this is not counting the Divided payments received while holding the stock! There has been a lot of volatility and it has not been easy holding at times where the markets starts selling off however I have continued to invest and reinvesting the dividends as they come in. This is just an example of how powerful holding a stock in the long term can be and why it is important to do your own research to decide if a company is worth investing in.

If you enjoyed this post do me a favor and share the link with your friends and family, I am working hard to grow this website and provide you with content that will help you be a better investor, also if you do not have a stock market broker feel free to use the link in this post, you will receive a free share of a popular company just for using my link.

Also if you have questions feel free to post a comment or send me an email and I will answer you as soon as I can, same if you have ideas for new posts or suggestions.

Thanks and have a great day!

bookmark_borderAre REITS Worth Investing in (ABR High Dividend)

One of my favorite forms of investing is Dividend Investing, this is when a company pays you set quarterly amount because you own the stock. There are many companies that pay a dividend and today we will be discussing the company with ticker symbol ABR also known as Arbor Realty Trust.

Investing in dividend paying stocks is in my opinion one of the best forms of investing if you are looking for passive income, this allows you to put your money on companies that are generating profits and growth and while you wait for share prices to go up, they pay you an amount just for being a share holder, this allows for your investment returns to compound very fast and increase your wealth through out the years.

As of today, the stock price of $ABR is $11.92 and they are currently paying a dividend yield of almost 9%, if you are a dividend investor this is a great stock to pick, they have a good business model, they invest in Real Estate and properties and they pay out most of their profits to investors, the payout amount is higher than regular stocks because it’s taxed as regular income and not as dividend income, this is still a great opportunity to invest and receive passive income from the stock market.

Arbour Realty Stock
$ABR Dividend Stock

How can you invest in Arbor Realty Trust?

There are a lot of platforms out there that allow you to invest in stocks and REITS that you can pick from, my favorite right now is the Robinhood App, they allow you to buy and sell stocks with zero commission fees, M1 Finance is another app that you can use for free and they even allow fractional shares, no matter what platform you use, it is always a good idea to buy and hold for a long time, specially when investing in dividend paying stocks.

Below is the 5 year Arbor Realty stock chart

As you can see, the stock has grown despite this being a dividend paying stock, there are a lot of myths surrounding dividend paying stocks, many people say that these stocks do not grow and appreciate over time or that they pay a high dividend because nobody cares about them however this is not true, dividend paying stocks also grow with time and while you keep the stock or REIT you will receive dividend payments. This makes Arbor Realty one of my favorite stocks to own.

One of the biggest myths and misunderstandings out there is that companies that pay out a dividend do not grow, this is a big mistake to take when considering investing in companies, share prices are set by the valuations that investors give them, if a company continues to grow their earnings, profits and they maintain low debt while managing the company well they will continue to grow and share prices will increase.

The ex dividend date for them was on December 27th 2018 and will be paying out dividends on January 31st 2019, as of right now ABR has been paying out dividend reliably 2012 and I believe they will continue to pay out dividends to their investors, finally their last earnings report showed that the company generated over 94 million dollars in revenue.

As you can see, this stock analysis shows that income investors will be buying and selling this stock and will continue to benefit from quarterly payments from this company, if you want to own Real Estate and do not want to go through every single step of the process REITS are a great way to be a part of the market without doing any of the hard work.

ABR Stock Chart
$ABR Price Movement Chart

How to Invest in REITS

Learn how to invest
Download the Robinhood App

REITS can be interesting plays if you are looking to get high dividend payments every quarter or even every month, there are many good investing platforms out there but today I am going to share and review with my the easiest one in my opinion to use, if you are a new investor and you are looking to learn how to invest and hold for the long term or how to trade stocks daily this is the app for you, below is my review of the Robinhood App.

Want to start investing or trading stocks? One of the easiest ways I have found that allows you to invest large or small amounts of money is the Robinhood.com App, this allows you to buy and sell stocks for free.

So what are the features that I like about the Robinhood app? First of all, the interface is clean, it works for Android and iOS and it is very easy to use, to start all you need to do is download the app, answer a few questions and link your bank account to it, once you do that you can start buying and selling securities during trading hours.

One of the features that I like the most is that it eliminates a lot of the extra information that more advanced investors use, for a person with little experience this is great since the application does not scare you from using it, once you login you can search for stocks that you like and look at their stats, you can see their Market Cap, highs and lows and dividend amount, you can also look at a basic chart and tell if the stock is trending up or down, Dividend amounts are also listed and you can buy or sell the stock right from the phone app or login to and trade from their website, all of this for free, there are no commissions or any other fees.

If you are interested take the time to take a look at their app, for an investor trying to start in the Stock Market this is a great opportunity to start trading stocks and making money in the market, you can buy stocks with as little money as $10 dollars or you can buy stocks in the thousands of dollars range, as always take the time to research the stocks that you are interested in buying and remember that there is risk when buying stocks, the best strategy in my opinion is to buy a stock that pays a dividend amount and hold it for 5 to 10 years, this same strategy has workout for me.

To download the app and start investing today click on THIS link from your smartphone and create your account, you will get a free stock for FREE.

bookmark_borderHow To Save Money To Invest

3 Easy Ways To Save Money And Invest More

Investing in the stock market can be a very profitable venture, with stocks prices fluctuating so much there is always opportunity to profit from these movements, today I am going to share 3 ways to save more money and save so you can invest more in the stock market, as you may already know I am a big fan of investing for dividend and if you are looking to generate more passive income from your dividend this is a great way to cut cost and invest that extra money into dividend paying stocks, here are 3 tips to help you save money.

Save money and invest more
Save on airline tickets

Continue reading “How To Save Money To Invest”

bookmark_borderWhat Are The Best Hours And Days To Buy And Sell Stocks

Have you ever wondered how people are able to be extremely competitive when buying and selling things online, did you know that eBay sellers have specific hours where they buy or sell merchandise, same as people who sell on Craigslist, there are some times of the days that it is a bad idea to post your listings and there are times of the day where your listings have a better chance of selling, well believe it or not these techniques also can be applied to the stock market, there is no guarantee and as always you have to figure out your own way of trading stocks and what works for you, how ever I have tested several techniques that have yielded me good results, I have found that there are certain days and months that stocks perform better or worse and today I am going to share these with you, now I am not a professional financial adviser so I recommend that you only take this information as an idea for you to test your own trades and come up with your own results.

Continue reading “What Are The Best Hours And Days To Buy And Sell Stocks”

bookmark_borderMake Money With Swing Trades In The Stock Market

Want to start making money in the stock market? Here is an easy way to buy shares at low prices and sell them for a profit after a week or two. Patience in the stock market can pay off big time.

Buy and Sell stocks
Trade commission free

A lot of people start investing In the stock market and the first thing they do is day trade, while this can be fun and profitable it can be a little more risky, I personally prefer to do swing trades, this is when you buy a stock at a low point and sell it days, weeks or even months later, I have done this for a while and its worked out great for me, today I’m going to show you a simple strategy on how to do a basic swing trade and profit from price movements.

Continue reading “Make Money With Swing Trades In The Stock Market”