income

Mar

2023

Are You Working for Money?

Reading Time: 4 minutes

Are you working for money? Most people are. Unfortunately, only a few people work because they love what they are doing. If you are one of those people who gave up their dream job for a high paying job, don’t worry there are ways on how to turn this situation around. But first, you need to first understand how money works.

By definition, an income is the money that you received from work or from your investments. Without income, you will not be able to pay for your living expenses.

There are two types of income: active and passive income.

Active Income

Active Income is the money that you received for the work or services that you rendered. Examples of this are your salary, commissions, wages and tips. It is termed as such because you actually need to be active, do something and spend your time, effort and energy before you can receive the income. If you stop working, then your income will also stop.

All salaries of employees are considered active income. Professional earnings of lawyers, doctors, architects, engineers and other professionals who have their own clinics or offices also fall into this category. The income of a managing member of a business is also considered active income.

Kinds of Active Income

There are two kinds of Active Income:

Salary Income – is the payment that you receive as an employee.
Profit Income – this is the money earned by entrepreneurs by selling goods or services for a profit. It is considered active as long as there is material participation involved.

The poor and the middle class mostly rely on active income. That is one of the reasons why they are stuck in the rat race all their lives. They think that hard work alone is the solution to their financial worries. Problem occurs when that one source disappears; which is one of the lessons people learned during the pandemic. Many were caught off guard. Because of the lockdown, a great majority of people were not able to worry. As a result many lost their single source of income.

Never depend on a single source of income.
– Warren Buffet

Statistics will show that many successful persons during their prime ended up broke upon retirement. Even if your income is high, it is never enough. You are still restricted by your age and your health. Thus, many people go broke once it is time for them to retire.

Active income also constricts your time. There are those who earn lots of money but they never have time for their families because their time is not their own.

Don’t let making a living prevent you from making a life.
– John Wooden

Do You Work for Money?

If you go to work because you HAVE to not because you WANT to, that’s an indicator that you are working for money. Even if your income is high, that does not change the fact that you are still a slave, only a rich slave. Don’t be a slave to money. Don’t let money control you. Learn how money can work for you.

Do You Let Money Work For You?

This is one of the ways in which rich people think differently. The rich understand that to become truly wealthy, you need to create multiple streams of income. Relying on a single source is simply too risky. And besides, they know that the more sources of income they have, the faster it is for them to reach their financial goals. That is why the wealthy focus on earning passive income.

Passive Income

Passive income is money earned where there is little or no active effort on your part. It is not directly tied to a certain number of hours at work. It is what they call “earning money while you sleep.”

Kinds of Passive Income

There are five major sources of passive income that you can choose from:

Interest income – is the money that you earn when you lend your savings to someone else. You can lend your money to an individual. You can also lend it to private corporations or the government in the form of a bond.
Dividend Income – is the money that you earn from being a partner, an investor or a shareholder to a business. Company earnings are also distributed to shareholders from the that you own.
Rental Income – is the the amount of money that you collect from your tenants from leasing your properties
Capital Gains – is the profit that you earn with the appreciation or the rise of value of your investment. You can earn capital gains from your real estate properties and other investments such as antique and vintage items, art work, jewelry, foreign currencies, luxury watches, and even luxury bags and some l imited edition items. You can also earn this from the stock market when the market price surpasses the average purchase price of your stocks.
Royalty Income – is the money that you received for the use of your artistic or literary works. It could be in the form of patents, copyrights or trademarks. You can also earn royalty income from your blogs or vlogs.

A wealthy person is simply someone who has learned how to make money when they’re not working.
– Robert Kiyosaki

So do you want to work for money all your life or do you want to make money work for you? If you want to have a life where money works for you, you need to have passive income. The key is to start with active income. Then, slowly build your wealth through the money jar budgeting system. And before you know it, you will be enjoying your retirement earlier than your contemporaries.

Good luck!

Updated version. First published in Pinoy Smart Living on 05.02.2019

Feature Image by Jose Conejo Saenz from Pixabay

Feb

2022

Warning Signs That You are Living Beyond your Means

Reading Time: 5 minutes

To live beyond your means simply means that you are spending more than what you can afford. Statistics show that most people are living from paycheck to paycheck without any kind of financial cushion. This was quite evident on the effect of the recent lockdowns on people’s financial lives. While we all deserve to spend our hard earned income; spending beyond our earnings, not saving enough for emergencies and racking up debt in the process are all recipes for financial disaster. To prevent this from happening, you need to watch out for some warning signs that you are living beyond your means. Even if you were doing fine before the pandemic, you might still need to reassess your finances to check if your current income can still support your previous lifestyle.

It is quite easy to fall prey in this age of consumerism. A wide range of consumer goods are available everywhere in the malls, supermarkets, social media and online stores. With heavy promotion by the media coupled with the support of the banking system through their generous credit to consumers; living beyond your means is so easy to do these days.

The FOMO (fear of missing out) and YOLO (you only live once) mentalities brought about by social media only made matters worse. These mentalities have become the new norm that they have dictated the spending habits of many. While it gives you satisfaction in the present, it gives disservice to your future well-being.

Warning Signs That You Are Living Beyond Your Means

Before it is too late, here are some key indicators that you are living beyond your means. They will serve as warning signs that it is time to scale back on your spending immediately.

1. More than 30% of your Income Goes to your House

Housing is the largest expense of most households. Most people dream of a big nice house thinking that they are buying an asset. However, most people don’t realize that their primary home is no longer considered an asset but rather a liability.

Unless you have a way of lowering your monthly expenses on other parts of your budget, you will find yourself in the poverty cycle if you are spending more than 30% of your income on your house. The allure of a bigger and better house will become a financial problem.

Now, calculate what percentage of your monthly income goes to your housing expenses. Housing expenses include your monthly amortization, real estate property taxes, association dues, house insurance, maintenance costs and utilities. If the amount exceeds more than 30% of your monthly income, you will be much better off finding a less lavish home that will fit your budget.

2. More than 15% of your Income Goes to your Car

If you can purchase your car for personal use in cash, then there is no problem. Problem arises when you borrow money in your auto loan purchase.

Have you heard of the 20/4/10 Rule on Auto Loan? The 20/4/10 Rule keeps your finances in check when it comes to purchasing a car. The rule says if you are going to buy a car, you need to make at least a 20% downpayment. In addition, the terms of payment should not exceed 4 years and that your monthly amortization should not exceed 10% of your monthly earnings. If you cannot follow these rule, it simply means you are buying a car that you cannot afford.

Minimum 20% downpayment
Maximum 4 years term
Monthly payment should not be greater than 10% of income

If you add up all other transportation expenses like fuel, maintenance costs, insurance and your monthly amortization; the total should not exceed more than 15% of your income. If your monthly transportation expense goes beyond that, you are simply living beyond your means.

3. Overdue Notices Fill Up your Mailbox

If you have been receiving late payment, overdue and disconnection notices, or worse you find your utilities constantly disconnected; then that’s clear sign that you are living way above your means. Your monthly budget should include payments for bills and utilities. If you can’t pay for them then it is time to reevaluate which ones are necessities and which ones you are better off without like cable subscription for example.

4. You Borrow Money from Others

If you find yourself borrowing money from friends and relatives or take out personal loans to pay your bills then that is a clear sign that you cannot afford your current lifestyle. Ideally, your income should be enough to cover your day-to-day expenses.

5. You Constantly Worry About Money

You are constantly worried about money, even with small expenses to the point that it is already keeping you awake at night. Your health is already affected. You even get into strenuous discussions and arguments with your spouse.

It is normal to worry about your finances every now and then but if you are constantly experiencing these things on a daily basis. Then, it is so obvious that you have money problems.

6. You have No Savings / Emergency Fund

You have no savings or emergency fund. Even if you have it before the pandemic, you have already used it all up. There is no money left from your current income to set aside for future savings.

Savings are needed for future use. An emergency fund is for unexpected and unfortunate events like a pandemic, unemployment, illness, disability or simply for car repair purposes. Ideally, your family should have enough money saved to cover at least six months worth of your living expenses.

7. You have Rising Credit Card Balances

If you are one of those people who only pays the minimum amount due on your credit card balance every month, then that’s a sign that you are living beyond your means.

Ideally, you should only charge what you can pay off at the end of each billing cycle. Unfortunately, many people have severe problems with credit card usage. If you don’t pay the total amount due on or before your due date, your outstanding balance will charge additional interest rates and fees, and these are carried over every month causing your debt to balloon month after month.

8. You Never Set A Budget

If you are ask questions about your budget like how much do you spend on food each month and you have no idea what the answer is, then you have a problem. A written budget is one of the first and most important steps towards financial freedom. How will you know if you are living within your means if you have no idea where your money is going? Having f inancial goals and sticking to your budgeting plan can prevent money leaks and help you live within your means.

9. You Run Out of Money Before your Next Paycheck

Do you find yourself short of cash long before the next payday? If you do, then that is another sure indicator that you need to downgrade your lifestyle. Your paycheck should be enough to cover your expenses for the period.

10. You Shop / Vacation on Credit

Credit is good when used wisely. It is very convenient because you don’t need to pay in cash for the total cost of an item or service right away. It is fine to avail of zero percent installment offers just as long as you are sure that there are no hidden charges. The rule of thumb is that your payment terms should not exceed the total life span of the item that you are buying.

It is a whole different thing for trip purchases. Yes, you can go on that well-deserved vacation only if you have saved enough for it. Make a plan to save money for that dream vacation.

You can use your credit card for protection. Like for example, some credit card offers free travel insurance if you book using their card. All other vacation expenses should be paid in cash. You can also use your credit card during vacation but for emergency purposes only. If you are one of those people who loves taking vacation all on credit, then you are living beyond your means.

If you score at least four and above, then take it as a warning sign that you are living beyond your means. You have two options, either you increase your income or downgrade your lifestyle. But whatever your choice is, it is best that you start learning financial literacy now to avoid finding yourself in the same situation later on.

Edited Version. First Published in Pinoy Smart Living on 10.30.2018

Photo by Artem Beliaikin from Pexels

Dec

2020

Home-Based Business Ideas

Reading Time: 5 minutes

People have worked on many home-based business ideas during their isolation. Some have even decided to make it their full-time income source and not go back to their regular jobs. After all, having a home-based business while taking care of the kids does require all your attention.

If you’re thinking what business you can do from home as a sideline, or as a full-time job; here are some ideas you can consider. Keep in mind that you need to embrace going digital to fully enjoy this experience.

1. Freelance Writer

If you have a knack for writing, then you can earn from your skill. As a freelance writer, you should be able to write about any topic and in different formats too. Some research is involved to source your information.

You should be able to write in different POVs (points of view) as well as tone and style. Writing for a fashion magazine will need a different style than writing an article on a business website. You may be tasked to write some technical stuff too. If you love writing challenges like this, then you will enjoy this job. Just remember to avoid procrastination so you don’t miss your deadlines.

There are specialized writing jobs that you can offer if you have more experience in these fields.

Content Writing
Copy Writing
Grant Writing
Researching / Fact Checking
Translation Services

2. Social Media Specialist

Everyone is on social media these days. If you enjoy spending time in those platforms; then this job can be your sideline or full-time hustle. First, you need to be active on these platforms yourself and build an audience of your own. Then you can offer your services to potential clients.

As a social media specialist, your main job is to build your client’s online presence on different social media platforms. You can be provided these materials or create your own. Scheduling what content to publish on which channels is an important part of the job. You will be helping your clients create a strategy for pushing their content to their audience in the different channels to meet their business goals.

You may also be tasked to reply to queries on these channels. Inform yourself thoroughly of your client’s business, offerings and processes in handling their customers’ concerns so you can respond appropriately.

3. Web Designer

Was your previous job designing websites or is that a side hustle of yours? This is one of those home-based business ideas that costs you nothing but will fully satisfy your passion for creating.

First, you need to have your own website. Showcase your portfolio of web design projects so your potential clients can see what you can do. Have a brief description about each project to show what businesses you’ve worked with.

Display your self-designed business card on your website, as well as your other design projects, if you want to offer your clients a design package.

If you wan’t to specialize in a different field of design, then here are some home-based business ideas to consider:

Graphic Design
Digital Prints
Illustration
Theme Designs (e.g., for WordPress and other similar platforms)
T-Shirt Design

4. Video Editor & Music Composer

Are you good at creating videos or making music? Get yourself known by publishing some of your creations and attracting your audience. Create a YouTube or Vimeo account where you can display your projects for potential clients to spot. This is one of those home-based business ideas that you can do at your own pace. If you’re a night owl, then this job is perfect for you.

For video editors, it helps to see what’s viral on YouTube and create your own version. Or you could go as basic as editing a dance or music video of you and your friends having a good time. Or maybe offer to edit a wedding video for one of your colleagues who is getting married.

As a music composer, you can provide music for music or dance videos, as well as ad jingles. You could publish a recording of your gig as a DJ. Or why not publish a whole album of your music creations online? You can offer some of your compositions free for download so your audience gets a taste of your work.

5. Private Tutor / Trainer

One of the ways to gain a greater understanding of your skill or talent is by sharing your knowledge. Or if you’ve always wanted to teach but didn’t end up as a teacher, then tutoring online is your next best option.

As a tutor, you can specialize in one subject. You can teach writing basics, video editing, music composition, playing the guitar, drawing, etc. Tutoring students in academic subjects is also a much-needed service nowadays.

You can also teach adults. Business people may need someone to teach them how to improve their PowerPoint presentations or how to do basic accounting. You can also talk to businesses about how they can make their brand known to more people if you’re a social media specialist.

6. Online Seller

One man’s trash is another man’s treasure. If you’ve got things in your home that you’ve never used but are still in good condition, then why not sell them online. Use your social media channels to start selling.

If you have a jewelry-making hobby, know how to sew clothes, love crocheting, sell them online. Sell your creations and get even more inspired to create more of the things you are passionate about. You can sell your art, photographs and paintings.

Sell to your friends and colleagues and have them pay for shipping costs. You can also sell other people’s stuff for them on a consignment basis. They will send you their stuff, you will display it for your customers, and you pay them only when the item has been sold off.

You can also sell specialty items. If you love specialty items that you know your customers will also love, then find a supplier who sells these items. Buy them in bulk so you get them at a cheaper price and sell them per piece. You can also do drop shipping instead.

7. Gardener

If you have a green thumb, then your plants will bring you extra income. Check out what indoor plants are popular and grow those in your garden. Search for groups that are dedicated to gardening and offer your plants there.

Sell your plants to plantitas and plantitos. Offer tips on how to care for them so you can always keep in touch with your customers. Share videos of you tending to your plants to build your brand even more.

As you’re starting out, don’t forget to show your plants and yourself in the best light. Invest in cute and pretty pots for your plants. Get some pretty accessories such as an elegant looking watering can to add a nice touch to your photos or videos. You can even sell these accessories too.

These are just some of the home-based business ideas that you can try to create extra income. They are all low-cost and can be done online, on your own. All you need is your computer, a good Internet connection, your own workspace, a bit of digital savvy, and the passion to continue learning. Your clients will surely notice you and appreciate your dedication to your new business.

Feature Image: Original Photo by Anthony Shkraba from Pexels.

Nov

2020

Stocks or Stock Options: Which is Better For You?

Reading Time: 4 minutes

One lesson that this pandemic taught us is that we should always have money set aside for future use. However, parking your money in a regular savings account is never a good idea because of inflation. Warren Buffet, one of the world’s most successful investors of our time has this to say about investing in cash:

The one thing I will tell you is the worst investment you can have is cash. Everybody is talking about cash being king and all that sort of thing. Cash is going to become worth less over time… Cash is a bad investment over time.”
– Warren Buffet

DISCLOSURE:  This post contains affiliate links. We earn a small incentive at no additional cost to you, when you follow the link to make a purchase.  This will help us be able to continue creating valuable content for you.

Thus, it is always better to invest your money. But, there are so many investment vehicles available out there. How to know which one is best for you? If you want to stay liquid and are willing to take a little risk to get higher returns; then, you can try investing in stocks or stock options.

Stocks

A stock means a share in a company. As part-owner of a company, you get a claim on the company’s assets and earnings. You cannot make decisions on the management of the company though. As a common shareholder, you do however have the right to vote on major issues such as changes in charter or board of directors during shareholder’s meetings.

How to Profit in Stocks?

There are two possible ways to earn money from stock ownership. First, you can get a share of the company’s earnings through dividends. Second, if you need the money in the future, you can always sell your stocks and earn from price appreciation. Just like in real estate, art works, jewelries and other assets; there is always a possibility of an increase in the value of your stocks over a period of time.

Why Buy Stocks?

Owning a business entails a lot of work especially if you build your business from scratch. You need to oversee not just the day-to-day operations but also other aspects like marketing, human resource and financial management. You may be your own boss but you have a lot of responsibilities. You need to make tough decisions and sometimes work long hours.

Investing in stocks is just like owning a business. The only difference is that you don’t need to go to work at all. You can just sit back, relax, wait for your pay check and let the likes of Bill Gates, Jack Ma, Warren Buffet or Jeff Bezos take care of your money. These business tycoons will be the ones to manage the day-to-day operations of the business while you just wait for your income. Now, how cool is that?!

Furthermore, stock investing is ideal for beginners. There is a way to become a passive investor. The easiest way to invest is through Cost-Averaging. It simply means buying stocks for a set amount each month over a long period of time. There is no need to carefully watch the market.

Stock Options

Stock options are different from stocks. With options, you don’t actually become shareholders of a company. Instead, what you have are contracts. Options are contracts that give the holder the right, but not the obligation, to buy and sell stocks at a predetermined date and price.

How to Profit from Options?

There are two kinds of options: the call and the put. The call option is a contract with the right to buy while the put option is a contract with the right to sell shares at a predetermined date and price. In short, a call option is a good investment if there is an expected increase in future stock prices. A put option on the other hand, is a good investment if there is an expected decrease in future stock prices. To put it simply, stock options empower the holder to potentially profit from a trade regardless of market direction.

Why Buy Stock Options?

For one, compared to stocks, options are more affordable. You can get options for just a fraction of the price of a stock. For example, as of this writing, an Apple Inc. share cost US$119.49 while a stock option price cost only US$1 per contract and even cheaper.

Second, with options there is a way to earn money even if the market goes down. Options allow investors to use a hedging strategy to lower risk. This means that an investor can buy a call option, a put option or both at the same time if the investor is not sure whether the price of stocks will go up or down in the future. This is different from stocks wherein price appreciation only happens when the market goes up.

And lastly, since options are contracts, there are expiration dates. Contracts can either be weekly, monthly or even longer. This is good for short-term investors. It means there is no need to wait for a couple of months or even years to earn. Higher percentage returns are possible in just a few days.

However, unlike stock investing, stock options investors need proper training first. To earn a higher percentage of returns is not without risks. Thus, it is important that stock options traders know what they are doing.

Join the Free Webinar on Stock Options Trading

Stock or Stock Options: Which is Better for You?

Both stock and stock options are good investment vehicles. To know which one is better for you, it all depends on what kind of investor you are. If you are looking for something long-term then go for stocks. If you are a short-term investor, then stock options trading is for you. If you are a passive investor, meaning you don’t want to be bothered with the management of your investment, then you are better off with stocks. However, if you want to be in control of your investments, then go with stock options.

In short, whichever is better for you is totally up to you. It is a personal choice. It all depends on what you want and what will best suit your financial goals, personal interests and lifestyle.

Happy investing!

Feature Image From Pixabay images

Sep

2020

Coping with Financial Stress

Reading Time: 3 minutes

Are you overwhelmed with financial worries? Don’t dwell in that negative emotion. Instead, take a deep breath and apply these guidelines on coping with financial stress. When you follow these guidelines, you should feel less stressed and have a better perspective on how to deal with your financial situation.

1. Talk Things Through

Talk to the family about your financial worries. This is an opportunity to air out all your worries and brainstorm solutions. If you live alone, talk to a friend to get some advise or at least to receive emotional support.

Putting your worries out in the open can help you ease the mental and emotional burden. The emotional support you get from your family members and friends can also help you gain more confidence in facing your circumstances and changing it. More importantly, you gain a different perspective about the situation which will help you gain more clarity in coping with your financial stress.

2. Track Your Finances

Now that you have gained some different perspectives from other people regarding your financial worries, the next step is to crunch some numbers. Take pen and paper and take inventory of your finances.

Keep track of all your spending. Write down your basic expenses and identify what expenses you can eliminate. Try to track your daily spending as well so you can better identify your spending patterns and triggers. This way, you are more aware of how to avoid your temptations so you eliminate impulse spending.

List all your debts. From the biggest to the smallest, try to identify everyone that owe money to and how much. This should strengthen your motivation to keep your spending to the basic minimum as you are coping with financial stress.

Identify your sources of income. Now that you have a clearer perspective of your spending habits and what you truly need to spend on, it’s time to count what money you will actually have. List your sources of income and how much you earn from each. If some do not have a fixed amount, then write down your minimum expected amount. Finally, add up everything and compare your total income with your total basic expenses.

3. Plan Your Budget

Whether your income is bigger than your spending total or the other way around, setting financial goals is important. You need to make a plan for where your money will go so you can start changing your situation.

Make a budget based on your basic living expenses. Use the money jar budget system as a guide but customize the names and amounts according to your requirements. Food in your budget is one of the easiest item to lessen spending on. Make sure you stick to your budget so you can get closer to your goal of being in a better place financially.

Increase your income. Your next plan is to identify opportunities on how you can raise your income. Maybe you can increase your earnings from a current source of income or maybe you have another skill or talent from which you can earn additional income.

Keep monitoring your finances. Don’t let your planning go to waste by forgetting it some days. Be consistent in tracking your spending and making sure that you stay within budget. At the same time, work hard to increase your income and keep adjusting your budget as your income increases. Don’t increase your spending and prioritize savings and paying off debts first.

4. Stay Positive

Finally, keep a positive attitude as you make small progress daily. As long as you are consistent in making small changes, you will definitely achieve your long-term goal of getting to a place where you are financially comfortable.

To help you cope with your finances better, try to improve your financial literacy. Understanding how money works in business will also help you tweak your own personal financial strategies and goals. Read books that inspire you to take care of your finances better and to keep working on your dreams.

In the meantime, don’t beat yourself up if you make mistakes. Just do the right thing the next day. Try to do fun things that don’t cost much or cost none at all so you can keep up the positive vibes.

Feature Image: Original Photo by Pixabay from Pexels.

Mar

2020

How To Improve your Finances During a Crisis

Reading Time: 2 minutes

The current crisis has not only negatively affected the people’s health and wellbeing, it has also affected the world economy. Many industries are now falling. Companies, factories and stores are closing. People are losing their job. Unless this crisis will end soon, many people might find themselves with money worries in the near future. Although income might stop coming, household expenses will not. Debt and mortgages are piling up. Thus, it is important for everyone to how how to improve your finances especially during a crisis.

Here are some things that you can do right now on how to improve your finances during a crisis:

1.Review your budget

Take a good look at your monthly budget. If you don’t have any budgeting plan, now is the perfect time to start having one. The money jar budgeting system is a good way to start creating your survival budget in this tough time. If you are already having a rough time, then you need a budget more than ever. A budget will help you track down where your money is going. It will also help you plan on your future spending.

2.Cut Expenses Immediately

Take advantage of the times. Refrain from going out unless necessary. Focus on the basics. Nutrition and health should be the main concern of everyone. Do not buy non-essential items. Stop eating out. Your main goal right now is to cut down on expenses. You don’t know how long this crisis will last so it is important to have as much emergency money as possible.

3.Talk to Creditors

It is almost impossible to keep up with bills if you are being quarantined especially if you have no savings. The best approach is to talk to your creditors and explain your situation. Ask about your options. The good news is that since you are not alone in this crisis, many governments already issued indefinite moratorium for those affected. Banks and insurance companies have started implementing assistance programs. Utility companies are following suit by waiving fees and postponing disconnections.

4.Look for Other Sources of Income

If your income has already been affected, now is the time to look for other sources of income to boost your cash flows. There are many ways to earn even from the comfort of your home. Search online. Look for something that you are good at.You can be someone’s virtual assistant. You can do online tutoring.You can start creating your own blog or vlog. You can create webinars. The possibilities are endless.

5.Improve your Financial IQ

If you are worried about your finances during this pandemic, that is an indicator that there is a need for you to improve your financial IQ. To be financially literate means having the ability to manage personal finance matters. That includes having an emergency survival fund in times of crisis.
It is not yet too late to start now. Take advantage of your time at home. Read about personal finance on books, magazine and the internet. Listen to podcast. Study the lives of millionaires and other highly successful people. Educate yourself and apply it in your life. Start by setting financial goals.

6.Don’t Panic

If you are already an investor; Warren Buffet, the most successful investor in the world, advised investors not to panic. It is best to stay invested and look at the long-term outlook of the stock market. Although it is only natural for investors to be fearful, it is never a good idea to buy stocks based on headlines.

Be fearful when others are greedy. Be greedy when others are fearful. – Warren Buffet

Feature Image by Posted by A.L. Jonas in Financial, 0 comments