Selecting a company for a portfolio based only on absolute metrics such as revenue or net profit is difficult. They do not reflect the structure of the business and its costs. Therefore, to compare issuers, they often use multipliers that take into account all expense items. One of them is Net Profit Margin. The margin…

Berkshire Hathaway The leader in price per share for many years is Berkshire Hathaway Inc. and, more specifically, its Class A papers (BRK.A). At the time of writing, the price was $409,100, a historic high. Warren Buffett’s company has existed since 1980. The secret of such a high price is the reluctance to split the…

Description of the Buy The Dip strategy Especially for readers I have developed the Lazy Investor Course, which showed step by step how to get your personal finances in order and effectively invest your savings in dozens of assets. The Buy The Dip principle is based on the belief that the market is rising over…

The essence of microloans Loans with a limited amount and minimal origination process are microloans. They are taken by anyone who wants to, applying for a loan in 10 minutes, right from the couch. Microfinance organizations lend small amounts for short periods, often less than a month. They have been proving their necessity and importance…

Proper management of your own funds is not only a sign of prudence, but also a guarantee of financial well-being. Many compatriots mismanage the family budget, which leaves them without money, losing capital or becoming a hostage of the credit system. To avoid personal bankruptcy, it is recommended to heed the advice and spend money…

Credit for pensioners Most retirees regularly experience a shortage of money. The pensions that the government gives them are miserable. They are not enough even for basic necessities. You need to buy regular groceries, pay utility bills. They also need medications, and because of their age, they have to spend a lot of money on…

An obligatory requirement, when any loan for a large sum is issued, is to provide guarantees that the money will be repaid, because no credit institution (including the bank) will not risk its own capital until it is certain that the borrowed funds will be returned, even if the borrower is unable to comply with…

The economic life of the modern world is unimaginable without credit. They are taken by both entrepreneurs and private individuals, with the help of credit to make various purchases, ranging from apartments and cars to dishwashers and computers. Many people approach banks with this goal, but the question on everyone’s mind is: what is the…