The Financial Forecast Spread was designed to correspond to the first ten cards of the Pentacles Suit. Each of the cards’ inherent meanings directly influence each numbered card, elaborating upon a variety of aspects to the person’s financial situation. It will produce a thorough overview before getting into the “intuitive” side of making the best decisions and moves for what the querent is seeking.

The cards are laid logically from top to bottom, left to right. The tenth card seems to be apart from the main spread, but it serves as a liaison between Thought and Action. It’s what consolidates the entire spread.

The Time to Invest in Pandora Media is NOW

Pandora Media is a company that I am invested in and has a bright future ahead.  An interesting point in writing about Pandora’s stock price is that stock charts do not look appealing over the past year or over the past 5 years.  In fact, up until 2015 I would never have even imagined investing in this company over the long term.  Before 2015 this stock seemed so volatile that it might be better suited for short term investing or possibly day trading.  In addition, the company does not offer any dividend yield.

The company has had only one split ever recorded and that occurred on July 5th of 1985, a date well beyond the scope of a five year analysis.  If someone invested in the company 5 years ago then they very well might be disappointed in their profit of $4.16 on each share purchased of Pandora Media.  On June 17, 2011 Pandora sold for 13.40 per share and is opening at $17.56 on May 3, 2015.  

An individual invested in the company one year ago would have lost $7.17 per share purchased.  The stock price of Pandora was $24.73 on May 5th of last year.  There is no upside for the investor that pulls out of this investment now if they invested a year ago.   So the question is why invest in this company at all?  The answer is because Pandora radio has now become one of the nations leading Internet radio providers, profits are taking off, and they have used previous investor money to become a national leader in radio.

Regardless of what perspective an individual views Pandora from, the key ingredients to investing in Pandora is knowing that there is more than meets the eye within this media company than simple stock charts that remind investors that the company has a history of volatility. Pandora operates on policies unlike all other music companies.  They make direct deals with artists and labels that submit their music to Pandora.  Artists and labels have to play by Pandora’s rules in signing song submission agreements.  This gives Pandora extreme leverage over what song royalties that they pay out.  In addition, Pandora is making major business partnerships and now appears as an application in cable television services and auto radio services.  Audio ads are another strong method of generating revenues and Pandora charges a monthly fee for ad free radio.  The main point in investing in Pandora now is that the price is low and it may never be that low ever again.  Pandora Media is fully developed and running and the time for investors to buy is now.

5 Dumb Investments Smart People Make

Investing is complicated enough.

Don’t make it harder by making investing choices that are just ordinary dumb.

Here are five of the dumbest investing blunders also clever folks make.

(See also: 5 Starting Investor Mistakes I have actually Made)

1. Investments you can not afford

Wise cash administration is a step-by-step process.

Two of the most vital steps to take in the past investing are developing an emergency fund equipped with three to six months’ worth of necessary living costs and also leaving debt (all financial obligation other than a practical mortgage, which is one that requires no greater than 25 % of your regular monthly gross revenue for the combo of your mortgage, tax obligations, as well as insurance coverage).

The just feasible exemption to the debt-free guideline is when you work for a firm that provides a match on cash you add to a 401(k) strategy. That’s such a large amount, it would be an embarassment to miss out on out.

So, if you can pay for to make more than the minimum payments on your financial obligations while at the exact same time contributing sufficient to your retirement to make use of the suit, do that. If you can not do both, concentrate on your debts first.

2. Investments you do not understand

Peter Lynch was one of the most well-known common fund managers ever. He ran Integrity’s Magellan Fund from 1977 to 1990, generating ordinary yearly returns of 29 %. That’s an impressive achievement.

Lynch additionally had an ability for training others the essential to-dos as well as not-to-dos of investing. In one of his most famous bits of suggestions, he claimed if you can not clarify a financial investment you’re considering making to an 11-year-old, you do not understand it all right to be placing your hard-earned cash into it.

If you’re thinking of purchasing an individual stock, you must be able to explain exactly what the business does, which its primary rivals are, and why you think it’s deserving of your financial investment. If you’re buying a stock fund or exchange-traded fund, you should have the ability to clarify its overarching approach as well as underlying investments. And also you need to be able to do this in language that would make feeling to a fifth-grader.

3. Investments that do not match your period and temperament

It’s finest to think about all of the cash you have spent as a solitary profile. That implies if you have $20,000 in a 401(k) as well as $10,000 in a Roth IRA, you have a $30,000 portfolio.

The kinds of particular investments you hold across that portfolio ought to be based upon a property allocation that’s ideal for your financial investment time frame (normally, the amount of time you have until you intend to retire) as well as your investment character (even more commonly referred to as your threat resistance).

There are a variety of cost-free possession allotment calculators or other devices readily available on the net for free, consisting of Morningstar’s Life time Allotment Indexes.

Making certain your financial investments abide by a possession allowance that’s appropriate for you has been shown to be more crucial to a person’s long-lasting investing success compared to the certain investments they holds.

4. Investments that audio as well good to be true

Mentioning the name Bernie Madoff ought to suffice to explain just what is meant by this kind of dumb financial investment. As well-publicized as Madoff’s Ponzi detraction was, a new Ponzi system is however found almost weekly. Obviously, there’s a big audience of folks that are quickly suckered into too-good-to-be-true investments.

Any time you listen to concerning a ‘can not miss’ financial investment or one 'assured’ to rise by a particular percent, you shouldn’t just hesitate about making such an investment, you ought to determine ideal after that as well as there it’s not for you.

5. Investments you think you could manage not to make

One of one of the most essential active ingredients for successful investing is time. While folks merely starting in their job commonly do not have much cash to spend, that’s the correct time– at the current– to begin investing.

Time is what enables you to maximize substance passion. Basically, compound interest describes interest earning passion. For instance, if you spend $200 and also it produces an annual return of 10 %, one year later on you will have earned $20 of passion. The following year, if you earn an additional 10 %, you won’t simply gain another $20, you’ll gain $22. That’s considering that the $20 you earned in the initial year will certainly likewise make interest. Immaterial, you claim? Let’s have a look at an example.

Now Ned didn’t get his name by postponing. He’s a go-getter, particularly when it comes to investing. He began investing $200 each month at age 20, kept at it for HALF A CENTURY, and also produced an average annual return of 7 %. After DECADE, Ned had actually invested $24,000 as well as gained $10,617 in interest. Good, but absolutely nothing spectacular.

Let’s miss ahead. After 50 years, Ned had actually invested $120,000– outstanding unto itself. But he earned almost $970,000 in interest. Wow! His $120,000 developed into over $1 million.

That’s exactly what occurs when substance passion is provided time to work. If he had actually chosen he couldn’t pay for to spend at such a youthful age as well as waited up until he was 30 years aged, he would have invested $96,000– simply $24,000 less– however his investment account would certainly be worth about $565,000 much less! The lesson? To take full benefit of the power of substance passion, begin investing as quickly as possible.

It’s very easy to think that effective investing is only about playing a fantastic game of offense, capturing all the marketplace up-ticks you can. In fact, it’s merely as important to play a terrific game of protection, staying clear of major blunders such as the 5 highlighted above.

Don’t Get Scammed by Investment Fraud on the Internet

From the Office of Investor Education and Advocacy, U.S. Securities and Exchange Commission

Social media and the Internet have become important tools for investors – providing not only a wealth of information for investors, but also opportunities for those looking to take advantage of innocent victims.

Scam artists use social media and the Internet to conduct complex frauds and schemes that even the most seasoned investor may have trouble detecting.  They spread false or misleading information, and conceal their identities or even impersonate credible sources of market information.  

Below are five tips to help you avoid investment fraud on social media and the Internet:

Be Wary of an Unsolicited Offer to Invest – If you receive an unsolicited message from someone you do not know regarding a “can’t miss investment,” pass up the offer and consider reporting it to the SEC.

Look out for Affinity Fraud – Never make an investment based solely on the recommendation of a member of an organization or group to which you belong.  You should use independent information to evaluate any financial opportunity, even those recommended by people you know.

Research the Investment and the Investment Professional – Never rely solely on a testimonial or take a promoter’s word at face value in making an investment.  You can check out many investments using the SEC’s EDGAR database or your state’s securities regulator. You can check out registered investment advisers at the SEC’s Investment Adviser Public Disclosure website and registered brokers at the BrokerCheck website of the Financial Industry Regulatory Authority.

Be Thoughtful about Privacy and Security Settings – Unless you guard your personal information, it may be available to anyone with access to the Internet – including fraudsters.  If you use social media websites as a tool for investing, be aware of the features on these websites that help you protect your privacy and personal information.

Ask Questions and Check out Everything – Be skeptical and research every aspect of an offer before making a decision.  It’s your money and if you don’t understand something, ask questions until you are satisfied.

For additional information for investors, visit, the SEC’s website for individual investors.

Sign up for Office of Investor Education and Advocacy Investor Alerts and Bulletins by email  or RSS feed. Follow OIEA on Twitter @SEC_Investor_Ed.  Like OIEA on Facebook at    

The Office of Investor Education and Advocacy has provided this information as a service to investors.  It is neither a legal interpretation nor a statement of SEC policy.  If you have questions concerning the meaning or application of a particular law or rule, please consult with an attorney who specializes in securities law.

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politicalmachine asked:

Impressive! What's the percentage breakdown of your income last year? As in from income vs. investments vs. any other stream of revenue.

Last year would not be a good year to use as an example. With the sale of my shares in DFTBA the percentages would be thrown way off. When Hank and I started DFTBA we put in $1 each. So the company was founded for $2, and that was the cost basis of all our shares. So when I sold my shares, everything above that initial $1 was considered a long-term capital gain, which would go in the “investments” category in your question.

A much better example will be this year, where I’ll have a modest earned income from DFTBA artist royalties, rents I charge, an occasional freelance project, and IF my new Caulden Road album makes a profit (hah), I’ll have that too. But the vast majority of my income this year will be from dividends and cap gains, which has been my goal for the last six or seven years now.

Dividends and cap gains are taxed favorably compared to earned income, and it’s basically your money making money, so I don’t have to put in work hours to make it. That frees up my time for more creative projects, and Netflix.

According to my projections, the percentage breakdown this year should be about 15% earned income, 5-10% royalties, and 75-80% dividends from investments. I can live on a little less than the 75% dividends alone, so the earned income and royalties are all gravy right now and will be reinvested in new projects, and for a more comfortable retirement.