High Sierra Investment

data base of business

Money Hacker is a huge data base of business, finance, investment, economy and all other personal finance related articles. It is not easy to digg and read each and every article in this blog that I have added from last three years. Though, I have added an ‘Archive’ link in the right sidebar of this blog for readers to select and read the most interested topic to them.

In this section, I am again listing all my articles for the readers to easily scan and select the articles to read and/or book mark this page for feature use. I am sure, no one can digg and read all the articles in this list within a single day or a week. My best advice is to bookmark this page for future references and subscribe this blog to get all the forth coming articles in this blog from the next one.

There are articles on various interesting subjects, links and list post, series articles, videos, interviews and much more can find in this blog. More over the same, each article have links to various related article to the subject. An interesting reader can easily find all the resources that he want to read, is right here in this blog. Have a look and enjoy this effort of simplifying blog search to present all the required resources to readers in a single click!

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Value investors, whether a beginner or experienced, always in search to learn maximum about fundamental analysis to sharpen their stock investing skills and select right stocks. There are lots of books, blogs, newsletters and other resources offers guidance to sharpen such skills but most of them fails to identify the right resources.

Here is a collection 3 free PDF e-books that offers lessons on fundamental analysis, stock basics and investing 101. I have personally found these are very good resources for all to read and understand the subject well. This site offer two options to read these books. First, just click any link to visit the site. Provide your e-mail ID to register free and receive the pdf files directly to your mail box. Second, read online without a registration. Option is of course, yours.

Here is those three wonderful free e-books:

1. Fundamental Analysis: What Is It?

Table of Contents

1) Fundamental Analysis: Introduction
2) Fundamental Analysis: What Is It?
3) Fundamental Analysis: Qualitative Factors – The Company
4) Fundamental Analysis: Qualitative Factors – The Industry
5) Fundamental Analysis: Introduction to Financial Statements
6) Fundamental Analysis: Other Important Sections Found in Financial Filings
7) Fundamental Analysis: The Income Statement
Fundamental Analysis: The Balance Sheet
9) Fundamental Analysis: The Cash Flow Statement
10) Fundamental Analysis: A Brief Introduction To Valuation
11) Fundamental Analysis: Conclusion

Download or read Fundamental Analysis lessons here

2. Investing 101: What Is Investing?

Table of Contents

1) Investing 101: Introduction
2) Investing 101: What Is Investing?
3) Investing 101: The Concept Of Compounding
4) Investing 101: Knowing Yourself
5) Investing 101: Preparing For Contradictions
6) Investing 101: Types Of Investments
7) Investing 101: Portfolios And Diversification
Investing 101: Conclusion

Download or read Investing 101 lessons here

3. Stocks Basics: What Are Stocks?

Table of Contents

1) Stocks Basics: Introduction
2) Stocks Basics: What Are Stocks?
3) Stocks Basics: Different Types Of Stocks
4) Stocks Basics: How Stocks Trade
5) Stocks Basics: What Causes Stock Prices To Change?
6) Stocks Basics: Buying Stocks
7) Stocks Basics: How to Read A Stock Table/Quote
Stocks Basics: The Bulls, The Bears And The Farm
9) Stocks Basics: Conclusion

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The Credit CARD Act is being hailed as the most comprehensive credit card legislation to in over thirty years. While the new law offers a variety of protections to everyday credit card consumers, it unfortunately offers very little to commercial and business credit card owners. The act is designed to protect consumers from callous credit card companies by doing away with a lot of the industry’s most profitable and unfair practices. Most of the major provisions of the law went into effect February 22, 2010, with the rest beginning later this year in August and December. Some of the more notable protections are listed below:

A credit card holder has to be at least 60 days late on a payment before the issuer can legally increase the interest rate attached to the balance.
Personal credit users have the option of opting out of over-the-limit fees.
Credit card companies must give notice of at least 45 days before making any changes to a borrower’s terms, with the borrower possessing the right to opt out of any changes, if desired.
Personal card users now have greater time to pay their monthly bill.
Funds made in excess of the minimum amount must be allocated by lenders to balances with the highest interest rates first.
Credit card companies are not allowed to increase rates within the first year of a customer opening up an account.
No more double cycle billing charges. Interest Charges for outstanding credit card balances will now be calculated on purchases made in the current billing period rather than the previous period.
Card companies cannot give credit cards to individuals under 21 unless he or she has either a co-signer or can otherwise demonstrate that they can make payments.
What many people find most interesting (myself included), is why would Congress introduce such a sweeping credit card legislation bill and not include provisions for small business?

Small business credit cardholders have been fighting long and hard with card companies over abusive and unfair practices. With interest rates, existing fees, and new fees all increasing in both frequency and cost, it is getting more and more costly for a lot of small businesses to use and accept credit cards. Even merchant account providers (institutions that enable businesses to conduct credit card processing) from big banks like Wells Fargo and Citi Bank, to down to smaller ISO’s like North American Bancard, have felt the squeeze from soaring interest rates.

Since the passing of the CARD act, American Express, Bank of America, Capital One, and other large credit card companies have significantly increased rates assigned to small-business and commercial credit cards. Interest rates for small business credit cards are reportedly 13.7% higher now than they were six months ago. Seeking to maintain margins and make up for revenue lost from consumer cards on account of the Act, many card companies have made business and commercial cards the target of increased interest rates and fees. And with no governmental law to stop them, they can easily and legally do so. The question I ask is, why couldn’t the protections newly afforded to personal card users be extended to business and commercial card users as well?

There is talk that much-needed relief is on the way for commercial and business credit card owners. The Fed has recently been tasked to examine small business credit card usage and make protection recommendations to Congress within the next year.

I know a couple of business owners that are thinking using a standard credit card for business purposes in order to take advantage of the new act. Individuals doing this should do so with extreme caution. The mixing of business and personal finances can often and easily lead to money management problems and tax problems. The amount of interest and fees that one can deduct on their business’s taxes decreases using a personal card in place of a business card. In addition, any activity and debt acquired by your business will show up on your personal credit score.

I’ve personally found it best to treat small business credit cards as interim financing and not as a permanent source of financing for your business. Most of you are aware that credit cards are among the most expensive short-term financing options available to small businesses. If not, you should be. If you own a small business credit card, you should pretty much always seek to pay your statement in full at the end of each month. It is never good to consistently carry a balance on a commercial credit card, and if you find yourself doing so then you might want to re-evaluate your business’s processes and strategy.

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Payday Loan

A payday loan, sometimes referred to as a cash advance or payday advance, is a short-term small principal loan borrowed against the recipient’s next pay cheque. Typically these loans range between £50 and £1500 and can be applied for online, usually without anything to fax or extra paperwork to fill out. Payday loans can be deposited directly into the borrower’s bank account, sometimes as soon as the same day as the application. On the borrower’s next payday , the loan principal and finance charge is withdrawn from their bank account and the transaction is complete. Some payday loan companies offer extensions on their loans, allowing customers more time to pay back the loan for an additional finance charge.

Payday loans are used for emergency expenses and immediate money needs like car repairs, overdue bills and groceries. They can be a quick and convenient way to bridge the gap between paydays and are typically less expensive than unauthorized bank overdraft fees.

Payday loans borrowers typically do not need perfect credit in order to apply. They need to be at least 18 years old, have an active bank account, be currently employed and receive a regular pay cheque. Borrowers of payday loans can even improve their credit score by repaying their payday loans on time.

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