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Showing posts from March, 2017

Knowing When To Invest -- It's Not When You Think

Startup investing is a funny thing. Sometimes it feels like you are on fire. You see exciting companies and founders coming one right after another. Other times, nothing coming through the pipeline feels quite right, no matter how many you are seeing. After experiencing several of these hot and cold cycles, I was curious how normal this is. I decided to take a look.
Let’s begin with an idea that many investors strive for: investing at a steady pace. Simple, right? Investing at a steady pace sounds intuitive enough. The only problem is that it's a bad idea.
The reality is that the best opportunities are not evenly distributed over time. Randomness is clumpy. If you invest in only the best opportunities, whenever they arise, you will have busy and slow periods. Smart investing plans for the clustering.

Consider the math. I randomized 10,000 scenarios to understand how the ten best investments I see every year will be distributed over that time. The results are interesting for any i…

7 absolutely important questions to ask before investing

Adhil Shetty
Investing in the right instrument is what an investor vies for. After all, it is his hard earned money that he wants to multiply along with ensuring a financial stability for his golden years and difficult times. Saving is a key to any kind of investment, but merely saving would not guide you through uncertain time. To be a successful investor, the saving needs to be invested in the right kind of instruments.
For an effective investment strategy, it is very important to ask yourself these seven crucial questions.
What is my objective?
This is the most basic question to ask before you begin any kind of investing. Like any other work, you should ask yourself why you are investing. You should be clear about your objective. Is your investment for creation of wealth, for income flow in retirement, for helping you buy an asset, or something else? Once decided, you will start developing an idea of how far out in time this objective is, how much money you need to fulfill it, and w…

How to Come Back from Bankruptcy

After spending several years fighting with creditors, you decided to file for bankruptcy. You never thought to find out how long bankruptcy can affect your credit score. And now that your credit score and confidence have taken a hit, you feel hopeless. But don’t fret because there’s a light at the end of the funnel. Keep reading to discover how to start rebuilding your financial life
Ways to Recover From Bankruptcy
1. Shift your mindset
If you’re going to pick up the pieces and rebuild, a mindset shift is paramount. It’s normal to feel like a failure. But the goal is to focus on getting to the root of the problem so you can move forward.
2. Create a spending plan 
Once you’re committed to improving your financial situation, create a budget. A few factors to keep in mind:
Expenses should always be lower than income. If not, trim unnecessary expenses.
Filing for bankruptcy should have alleviated some of those debt payments. So, use the extra money to pay off other debts and start savin…