The Investing for Beginners Podcast &#8211; Your Path to Financial Freedom

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IFB365: Why 10-Year Revenue Growth Matters for Long-Term Investors Oct 28, 2024

In this episode of the Investing for Beginners Podcast, we explore essential financial metrics that every investor should understand. From market cap and dividend yield to PE ratios and ROI, learn how these metrics can guide your investment decisions and strategies.

[00:00:32] Introduction to financial metrics that matter for investors.
[00:01:00] Explanation of market cap and its investment impact.
[00:05:01] Discussion on dividend yield and total return importance.
[00:08:32] Overview of PE ratio for stock valuation.
[00:12:13] Importance of 10-year revenue growth for company analysis.
[00:16:00] Significance of consecutive dividend raises in stock evaluation.
[00:21:40] Valuation metrics: free cash flow to equity explained.
[00:30:11] Solvency metrics: understanding interest coverage and debt ratios.

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IFB364: P/E Ratios, Value Traps, and Market Analysis Oct 24, 2024

Join us on Investing for Beginners as we tackle listener questions on crucial topics like IRA investing with VA stipends, deciphering debt-to-equity ratios, and understanding key valuation metrics like price-to-book and price-to-sales. Learn practical tips for analyzing company financials and making informed investment decisions.

00:00:51 - 00:01:19: Listener asks about tax implications of investing untaxed VA stipends in an IRA.

00:01:19 - 00:02:12: Andrew explains IRA contributions require earned income, suggests consulting a tax professional.

00:02:27 - 00:03:13: Dave advises consulting a tax professional for personalized advice on IRA contributions.

00:03:34 - 00:04:17: Listener inquires about retirement options for high earners, including backdoor Roth IRA.

00:04:18 - 00:05:07: Andrew suggests consulting a financial advisor due to changing tax laws and personal situations.

00:07:11 - 00:08:20: Listener asks about finding debt-to-equity ratios; Dave suggests calculating from financial statements.

00:08:24 - 00:09:17: Andrew explains debt-to-equity ratio importance in assessing company financial health.

00:21:40 - 00:22:20: Listener asks about ideal P/E ratio; Andrew suggests 15 is too low currently.

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IFB363: How to Start Investing -A Beginner's Guide Oct 21, 2024

Welcome to the Investing for Beginners podcast. In this episode, we're tackling the crucial question: how to start learning to invest. Whether you're a complete novice or looking to refine your approach, we'll explore practical tips, recommended resources, and strategies to help you begin your investing journey with confidence. Let's dive into the world of investing together.

00:01 - Introduction: Discussing how to start learning to invest for beginners

03:30 - Importance of understanding investing is a long-term, emotional journey

05:30 - Utilizing various learning resources: podcasts, YouTube, books, and social media

10:17 - Knowledge compounds over time; start with basics and build gradually

14:16 - Revisiting complex topics later as understanding grows

17:56 - Immersing yourself in investing content, even if not fully understood initially

20:19 - Importance of applying knowledge through writing, teaching, or discussing with others

23:16 - Recommended resources: books, Warren Buffett letters, and analyzing company 10-Ks

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Bird’s Eye View: Alibaba – The E-commerce Giant Oct 17, 2024

Welcome to the Investing for Beginners podcast. Today, we're taking a bird's-eye view of Alibaba (BABA), the Chinese e-commerce giant. We'll explore its business model, financials, and potential risks. Whether you're considering investing or just curious about this tech behemoth, join us as we break down the key factors every investor should know about Alibaba.

1. 00:00 - Introduction to Alibaba (BABA) and initial thoughts on the company

2. 03:45 - Overview of Alibaba's core businesses: e-commerce and cloud computing

3. 05:41 - Discussion of Alipay, Alibaba's super app for various services

4. 10:06 - Analysis of Alibaba's financial performance and growth trends

5. 15:10 - Examination of Alibaba's balance sheet and capital allocation strategies

6. 20:20 - Consideration of Alibaba's company lifecycle and future growth potential

7. 24:26 - Evaluation of risks associated with investing in Chinese companies

8. 28:53 - Final thoughts on Alibaba as an investment opportunity

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IFB362: Why Some Stocks Always Seem Expensive Oct 14, 2024

Welcome to the Investing for Beginners podcast, episode 362. Today, Dave and Andrew explore the concept of competitive advantage period (CAP), a valuation tool associated with Michael Mauboussin. They'll discuss how CAP helps explain why certain businesses maintain higher valuations over longer periods and its implications for investors.

[00:00:32] Introducing competitive advantage period (CAP), a valuation concept associated with Michael Mauboussin's writings.

[01:08] CAP explained: Period where outstanding businesses maintain excess returns due to competitive advantages.

[02:38] CAP helps explain why certain companies have higher valuations for longer periods.

[04:09] Traditional 10-year DCF models may be too short for companies with strong moats.

[06:32] Scale economy shared: A self-reinforcing moat that strengthens as a company grows.

[09:40] Companies like Visa and Mastercard strengthen moats by working with potential competitors.

[15:24] Market may value companies differently based on expected duration of competitive advantage.

[17:42] CAP valuation must be logical; unreasonable growth projections can lead to absurd results.

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Brian Feroldi Explains Why Warren Buffett Thinks EPS is Overrated Oct 10, 2024

Welcome to the Investing for Beginners podcast. Today, we're joined by financial educator Brian Feroldi to discuss Warren Buffett's perspective on earnings per share. We'll explore why EPS might be overrated and dive into the importance of return on capital metrics for investors.

[00:01:14] Buffett's view: Earnings per share is overrated compared to return on capital.

[00:03:21] Four ways to measure return on capital: ROIC, ROE, ROA, and ROCE.

[00:07:03] Simple example: Million-dollar investment illustrates importance of return on capital.

[00:12:28] Discount rate discussion: 10% minimum for individual stock investments.

[00:17:30] Good return on capital ranges: 10-20% decent, over 20% excellent.

[00:20:22] Six phases of company growth, including optimizing for profitability.

[00:24:33] Alcoa example: Low return on capital correlates with poor stock performance.

[00:28:45] Amazon case study: Not yet fully optimized for profits, affecting return metrics.

Find more of Brian here:

X: Brian Feroldi

Instagram: Brian Feroldi

LinkedIn: Brian Feroldi

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IFB361: How to Project Revenue Growth in DCF Oct 07, 2024

Learn how to accurately estimate revenue growth in discounted cash flow (DCF) models, a crucial yet challenging aspect of company valuation. Discover techniques to minimize bias and improve accuracy, ensuring your investment decisions are based on solid financial analysis.

00:00:46 - Introduction to DCF

Discussing revenue growth estimation in DCF models.

00:01:07 - Importance of Revenue Growth

Revenue growth is crucial for long-term company valuation.

00:01:27 - Challenges in Estimation

Estimating growth involves bias and guesswork challenges.

00:02:15 - Historical Revenue as a Guide

Use past revenue trends to inform future estimates.

00:02:58 - Base Rates and Expectations

Base rates help set realistic growth expectations.

00:03:41 - Avoiding Overconfidence Bias

Don't overestimate growth beyond historical performance.

00:04:29 - Analyst Estimates as a Check

Compare your estimates with market analyst expectations.

00:05:14 - Using Reinvestment Rate and ROIC

Calculate growth using reinvestment rate and ROIC.

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IFB360: Understanding Margin Calls and Stock Liquidation Oct 03, 2024

Discover what to do when your stocks are automatically sold due to margin calls or account settings. Learn how to prevent unexpected sales and manage your portfolio effectively to avoid future issues.

00:00:38 - Listener Questions Introduction

Addressing concerns about unexpected stock sales and solutions.

00:01:10 - Portfolio Auto-Sell Incident

Listener's portfolio sold automatically, seeking advice on recovery.

00:01:30 - Possible Margin Call Explanation

Insufficient funds may trigger automatic stock liquidation.

00:02:11 - Margin and Leverage Concerns

Investing on margin can lead to forced sales.

00:03:00 - Avoiding Leverage Risks

Avoid using leverage to prevent forced stock sales.

00:03:48 - Long-Term Investment Strategy

Leverage conflicts with long-term investing due to market volatility.

00:05:17 - Learning from Mistakes

Use this experience to reinforce sound investment practices.

00:06:23 - Understanding Margin Accounts

Explanation of borrowing money from brokerages for stock purchases.

00:07:03 - Importance of Cash Reserves

Maintain cash reserves to avoid margin calls and sales.

00:08:12 - Rebuilding After Auto-Sell

Consider starting fresh with a long-term investment mindset.

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IFB359: Mastering Time Management for Busy Investors Sep 30, 2024

Join us in Episode 359 of the Investing for Beginners Podcast as we explore strategies to stay updated on your investments efficiently, balancing your busy life with smart, time-saving techniques.

00:00:51 - Staying Updated Efficiently

Tips for tracking investments without excessive time commitment.

00:01:38 - Use Broker Alerts

Set alerts for company updates and stock movements.

00:02:30 - Leverage Financial Tools

Use APIs and platforms for quick company insights.

00:03:07 - Track Key Performance Indicators

Maintain a spreadsheet to monitor company performance.

00:04:15 - Avoid Sensational News

Focus on reliable sources to reduce emotional reactions.

00:06:30 - Balance Monitoring Frequency

Understand when to check investments and when to relax.

00:09:41 - Analyze New Companies

Efficient methods for evaluating potential investment opportunities.

00:12:14 - Utilize Screeners and Tools

Use screeners to filter and analyze stocks quickly.

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IFB358: How to Define Your Circle of Competence Sep 26, 2024

Join us in Episode 358 of the Investing for Beginners Podcast as we explore the concept of the circle of competence, inspired by Warren Buffett, to enhance your investment strategy and decision-making.

00:00:51 - Circle of Competence Introduction

Understanding your investment strengths and limitations.

00:01:12 - Origin of the Concept

Popularized by Warren Buffett and Charlie Munger.

00:02:25 - Benefits of Knowing Your Competence

Increases success by focusing on familiar areas.

00:03:18 - Risks of Overstepping Competence

Avoid investing in unfamiliar industries.

00:04:21 - Competence Beyond Industries

Includes investment strategies and personal temperament.

00:05:25 - Determining Your Competence

Reflect on past experiences and strengths.

00:08:17 - Expanding Your Competence

Follow curiosity to learn new investment areas.

00:13:49 - Practical Application

Use daily observations to generate investment ideas.

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IFB357: 100% Gains & Handling Losses - A Beginner's Guide to Investing Psychology Sep 23, 2024

Join us as we explore the thrills and spills of investing! We discuss navigating the emotional rollercoaster of 100% gains and the art of bouncing back from losses.

Finding 100% Gainers: The hosts discuss different approaches to finding stocks that could potentially double in value, focusing on sustainable growth vs. rapid price appreciation. (0:01:30 - 0:05:11) - **

Handling Big Gains: They debate the psychological challenges of managing large returns, emphasizing the importance of separating stock price fluctuations from a company's underlying business performance. (0:06:41 - 0:09:39)

Identifying Narrative-Driven Investments: Learn how to discern whether a stock's rise is fueled by hype or strong fundamentals, using social media sentiment and business analysis as indicators. (0:12:08 - 0:13:56)

Coping with Investment Losses: The hosts share strategies for dealing with the emotional impact of losing money, highlighting the importance of learning from mistakes and maintaining a long-term perspective. (0:21:48 - 0:25:58)

Building a Winning Investment Mindset: The episode concludes by emphasizing the need to balance confidence with realistic expectations, accepting that not every investment will be a home run. (0:27:04 - 0:30:04)

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Generative Value's Eric Flaningam: Demystifying Tech for Investors Sep 19, 2024

oin us as we demystify tech investing with special guest Eric Flaningam from Generative Value. Learn how to apply value investing principles to find long-term winners in this exciting sector.

(0:00-1:00) Introduction of guest Eric, a tech-focused value investor. (

1:00-2:00) Why stocks? Eric finds intellectual challenge and future-predicting aspects exciting.

(2:00-3:00) Eric's journey: From small-town Indiana to Microsoft to venture capital.

(3:00-4:00) Early Buffett influence, learning from the greats, and the importance of managing downside risk. (

4:00-5:00) Tech's allure: World-changing potential, intellectual complexity, and historical outperformance.

(5:00-7:00) Applying Buffett's circle of competence to tech, focusing on understanding competitive advantages.

(7:00-9:00) Overcoming tech intimidation: Start with industry research, read extensively, and focus on buyer decisions.

(9:00-12:00) Understanding tech vs. business, the importance of industry primers, and the challenge of competitive landscapes.

(12:00-16:00) Semiconductors and cloud as long-term tech bets, the role of disruption, and learning from history.

(16:00-19:00) How companies view competition, the importance of solving customer problems, and the risk of disruption.

(19:00-22:00) The Innovator's Dilemma: Business model innovation often trumps pure technological disruption.

(22:00-25:00) Investing in the face of disruption, the importance of paranoia and humility, and embracing volatility.

(25:00-29:00) Finding Eric's "quintessential" stock: Amazon as an example of deep competitive advantages.

(29:00-32:00) Why some monopolies fly under the radar: ASML vs. Microsoft and Google.

(32:00-36:00) The case for tech investing: High-quality businesses, long-term growth, and opportunities for outperformance.

(36:00-39:00) Eric's investment process: Focus on identifying wonderful businesses, then wait for the right price. (

39:00-42:00) The long-term advantage: Patience allows capitalizing on market drops and buying great companies on sale.

(42:00-46:00) The AI adoption curve: It's early days, be patient, and expect the unexpected.

To learn more from Eric:

Generative Value

X: @EricFlaningam

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IFB356: Beginner's Guide to High-ROE Investments Sep 16, 2024

Join us for Episode 356 of the Investing for Beginners podcast, where Dave and Andrew explore high-ROI companies with over $2 billion market cap, offering insights into their impressive financial metrics.

[00:00:51] Criteria for Selection

Companies selected have a return on equity (ROE) of 377% or higher.

[00:01:20] Discussion Approach

Dave and Andrew discuss companies off-the-cuff, sharing insights and analysis.

[00:02:01] Understanding High ROE

Exploration of factors driving high ROE, like increased net income or reduced equity.

[00:03:49] Software Companies

Discussion on software companies like GoDaddy and Fortinet with high margins and ROE.

[00:05:28] Operating Margin Expansion

GoDaddy's operating margin expansion boosts earnings, illustrating growth potential.

[00:07:30] Home Depot's ROE

Home Depot's high ROE due to positive equity shift from acquisitions.

[00:10:05] Return on Invested Capital

Importance of using return on invested capital for evaluating capital efficiency.

[00:13:10] Booking vs. Airbnb

Comparison of Booking and Airbnb, discussing growth potential and business models.

[00:19:53] Hotel Franchise Models

Exploration of hotel franchise models like Marriott and Choice Hotels for investment.

[00:26:25] Airbnb's Market Position

Airbnb's appeal to affluent customers and potential growth limitations discussed.

[00:28:36] Colgate-Palmolive's Stability

Colgate-Palmolive's predictable growth and stability make it an attractive investment.

[00:32:11] Low Volatility Stocks

Benefits of investing in low volatility stocks for consistent, long-term growth.

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IFB355: How to Invest in Banks - A Step-by-Step Guide Sep 12, 2024

In this episode of the Investing for Beginners podcast, hosts Dave and Andrew explore the intricacies of investing in banks, discussing their economic significance, profitability, and the complexities of bank terminology and financial statements.

[00:00:50] Why Invest in Banks?

Discussion on the profitability of investing in banks and their substantial role in the economy, comprising a significant portion of the S&P 500.

[00:01:13] Understanding Bank Terminology

Introduction to the unique language of banking and the goal to simplify it for listeners.

[00:01:35] Types of Banks

Overview of different types of banks, including "too big to fail" institutions and regional banks, with examples like JP Morgan Chase and Fifth Third Bank.

[00:03:07] Analyzing Banks

Discussion on starting with simpler, regional banks to build a foundation before tackling more complex institutions.

[00:03:50] How Banks Make Money

Explanation of the basic banking model: taking deposits and making loans, and the concept of interest spread.

[00:06:06] Bank Balance Sheets

Insight into how banks' balance sheets differ from other companies, focusing on deposits as liabilities and loans as assets.

[00:07:57] Income Statements

Breakdown of bank income statements, including interest and non-interest income, and how they differ from companies like Microsoft.

[00:14:05] Loan Books

Importance of understanding a bank's loan book, including types of loans and credit quality.

[00:19:41] Risk Management

Discussion on the risks banks face, such as loan defaults, and how they manage these through provisions.

[00:23:40] Key Metrics

Introduction to important metrics like loan-to-deposit ratio and CET1 for evaluating bank stability and performance.

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IFB354: Analyzing DraftKings: Navigating the Sports Betting Industry Sep 09, 2024

The podcast "Investing for Beginners" episode 354 explores analyzing DraftKings (DKNG) stock, focusing on navigating the highly regulated sports betting industry, growth potential, and investment strategies.

00:00:32 - Introduction to the podcast and listener question about analyzing DraftKings and the sports betting industry.
00:01:31 - Initial reactions to DraftKings, mentioning its app-based platform and involvement in sports gambling.
00:03:18 - Discussion on starting points for analyzing DraftKings, including reviewing their 10K and understanding their business model.
00:05:15 - Importance of visiting the company's website for additional insights.
00:06:09 - Exploration of how DraftKings makes money and the impact of regulations on its operations.
00:09:32 - Strategies for understanding industry regulations and using resources like YouTube, Google, and Reddit for insights.
00:11:01 - Consideration of moving on if a company is not forthcoming with information.
00:12:27 - Building an industry map and identifying competitors like FanDuel and Bet365.
00:14:47 - Using tools like Seeking Alpha and Finviz to compare industry peers.
00:15:16 - Analysis of DraftKings' revenue growth and comparison with competitors.
00:17:03 - Examination of financials, including revenue growth and margins.
00:20:20 - Discussion on the importance of gross margins and potential for profitability.
00:22:26 - Overview of the balance sheet to assess financial strength.
00:23:53 - Consideration of stock-based compensation and its impact on financials.
00:25:13 - Final thoughts on evaluating growth potential and market opportunities.
00:28:09 - Discussion on potential for international expansion and its impact on growth.

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IFB353: Mastering Investment Checklists - A Deep Dive with American Express Sep 05, 2024

Welcome to the Investing for Beginners podcast, episode 353. Today, we explore the power of checklists in investing, using American Express as a case study to highlight their practical application and benefits.

[0:00 - 0:50] Introduction

Welcome to episode 353 of the Investing for Beginners podcast. The hosts introduce the topic of using checklists in investing.

[0:51 - 2:28] Importance of Checklists

Discussion on the significance of checklists in investing, emphasizing their role in avoiding mistakes and ensuring comprehensive analysis.

[2:29 - 9:15] American Express Case Study

The hosts demonstrate how to apply a value checklist to American Express, showcasing its practical use in evaluating a company.

[9:16 - 12:18] Secular Trends and Tailwinds

Explanation of how secular trends can impact investment decisions and the importance of identifying tailwinds for easier growth.

[12:19 - 19:17] Financial Analysis

Overview of key financial metrics to consider, such as revenue growth and profit margins, and their role in the checklist.

[19:18 - 28:37] Competition and Moats

Discussion on analyzing competition and identifying a company's competitive advantage or moat, with examples from American Express.

[28:38 - 40:02] Risks and Management

Examination of potential risks and the importance of evaluating management quality and decision-making.

[40:03 - 53:48] Valuation and Conclusion

Insights into the importance of valuation in investment decisions and a wrap-up of the checklist's benefits, encouraging listeners to apply these strategies.

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Bird's Eye View: Capital Allocation Analysis Sep 02, 2024

Welcome to the Investing for Beginners podcast, episode on capital allocation. Join Dave and Andrew as they explore the importance of capital allocation in investing, discussing its impact on company performance and shareholder returns.

00:00:38 - Introduction to capital allocation and its importance

00:01:26 - Definition and overview of capital allocation

00:04:54 - Discussion of different capital allocation options (dividends, share buybacks, reinvesting, debt reduction)

00:11:05 - Importance of capital allocation and why CEOs often struggle with it

00:15:48 - Metrics for evaluating capital allocation (ROIC, free cash flow, dividend yield, share buyback effectiveness)

00:26:45 - Discussion on debt as a capital allocation strategy 00:29:03 - Examples of companies with good and bad capital allocation practices

00:35:47 - Conclusion and wrap-up

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IFB352: 5 Essential Tools for Researching Industry Connections in Investing Aug 29, 2024

Welcome to the Investing for Beginners podcast, episode 352. Join Dave and Andrew as they answer listener questions about investing strategies, portfolio management, and stock picking in this informative and engaging discussion.

Summary with timestamps:

00:00:00 - Introduction and overview of the episode 00:00:42 - Question about tools and resources for following industry connections 00:08:35 - Discussion on diversifying portfolios with ETFs 00:12:54 - Question about dollar-cost averaging (DCA) strategy 00:19:10 - Balancing retirement and brokerage portfolios 00:21:22 - Question about investing a large sum in a single stock 00:31:27 - Wrap-up and closing remarks

The podcast covers various investing topics, including:

Research tools for understanding industry connections
Diversification strategies using ETFs
Pros and cons of dollar-cost averaging
Managing different types of investment accounts
Considerations for investing a large sum in a single stock

Throughout the episode, Dave and Andrew provide practical advice and personal insights based on their investing experience, while emphasizing the importance of long-term thinking and understanding one's investment goals.

Today's show is sponsored by:

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Compoundingquality.net

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Compounding Quality: Pieter Sleger's Approach to Identifying Great Businesses Aug 26, 2024

In this episode, we chat with Pieter, founder of the Compounding Quality newsletter, as he shares insights on quality investing, identifying great businesses, and his journey in the world of stocks.

00:00 - 00:07: Introduction of Pieter and his credentials, including his newsletter and book on quality investing.
00:08 - 02:37: Pieter explains why he chose to invest in stocks and shares his early experiences, emphasizing the long-term potential of equities.
02:38 - 07:16: Discussion on Pieter's first stock investment, mistakes he made, and how those experiences led him to educate himself on investing.
07:17 - 12:21: Pieter describes his approach to quality investing, focusing on finding great businesses with healthy balance sheets, led by strong management, and trading at attractive valuations.
12:22 - 15:02: Pieter discusses how he maintains a watchlist of potential investments and his focus on companies with high market caps.
15:03 - 20:49: Detailed discussion on the concept of economic moats, emphasizing the importance of investing in companies with sustainable competitive advantages.
20:50 - 24:04: Further elaboration on pricing power, with examples of companies that have successfully maintained high pricing power.
24:05 - 32:14: Insights into Pieter’s thoughts on return on invested capital (ROIC), its importance in identifying quality investments, and the challenges of disruption in quality investing.
32:15 - 49:02: Pieter's approach to valuation, including how he assesses whether a stock is overvalued or undervalued, using methods like forward P/E comparisons and reverse DCF.
49:03 - 56:56: Pieter discusses his ideal investment, focusing on companies with strong growth, reinvestment opportunities, and aligned management. He also shares his thoughts on the tools and platforms he uses for research.
56:57 - End: Conclusion, with Pieter offering to connect with others interested in quality investing and sharing where to find his resources online.

Learn more from Pieter here:

X: @QCompounding

LInkedIn: Pieter Slegers

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IFB351: Listener Questions Answered - From Financial Planners to Debt Ratios Aug 22, 2024

In this episode of the "Investing for Beginners" podcast, Dave and Andrew tackle four insightful listener questions, including how to select a financial planner and the importance of debt-to-equity ratios. Tune in for practical advice and expert insights on navigating the world of investing.

00:00 - 00:32: Introduction

Dave welcomes listeners to the "Investing for Beginners" podcast and introduces the episode's focus on answering four listener questions.

00:32 - 02:00: Question 1: Selecting a Financial Planner

Dave and Andrew discuss how to choose a financial planner, including what questions to ask and considerations like fees and investing philosophy.

02:00 - 04:16: Where to Find Financial Planners

Suggestions on where to locate financial planners, such as banks, brokerages, and independent services like Tangerine.

04:16 - 06:38: When to Consider a Financial Planner

The hosts talk about the stages in life when a financial planner might be most beneficial, particularly as you approach retirement.

06:38 - 08:10: James Canola’s Financial Planning Services

A brief mention of financial planner James Canola and the value of his services.

08:10 - 09:30: Introduction to Spotify Q&A Feature

Dave explains how listeners can submit questions via Spotify’s app, which will be answered in future episodes.

09:30 - 13:20: Question 2: Debt-to-Equity Ratio

Andrew explains the debt-to-equity ratio, its importance, and how to interpret it, particularly when it’s above or below 1.

13:20 - 17:30: Why Debt-to-Equity Ratio Matters

Discussion on how debt can impact a company’s growth and profitability, and what to look for when analyzing this ratio.

17:30 - 20:30: Using Debt-to-Equity in Context

Tips on how to analyze the debt-to-equity ratio over time and compare it with competitors to gain better insights.

20:30 - 25:00: Additional Financial Ratios to Consider

Andrew and Dave suggest other ratios like net debt to EBITDA and interest coverage ratio to complement the debt-to-equity analysis.

25:00 - 29:00: Question 3: Investing in Watsco

A listener question about investing in Watsco despite its recent price drop is discussed, with advice on evaluating whether it’s a short-term issue or a long-term problem.

29:00 - 32:10: Understanding Market Sentiment and Stock Prices

The hosts talk about how market sentiment can sometimes disconnect from a company's fundamentals, using Lululemon as an example.

32:10 - 36:00: Reanalyzing Your Portfolio

Andrew shares the importance of regularly reanalyzing stocks in your portfolio to ensure they still meet your investment criteria.

36:00 - 38:30: Separating Noise from Facts

Dave emphasizes the need to focus on a company’s actual performance rather than being swayed by market noise or social media chatter.

38:30 - 42:01: Conclusion

Final thoughts on the importance of having a flexible mindset in investing and avoiding biases. Dave and Andrew wrap up the episode with a reminder to invest with a margin of safety.

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Steady Compounding with Thomas Chua: A Guide to Long-Term Investing Success Aug 19, 2024

In this episode of the Investing for Beginners podcast, Dave welcomes Thomas Chua, the founder of Steady Compounding, to discuss the principles of long-term investing. Thomas shares his journey from discovering investing through books to building a successful investment philosophy centered on steady compounding. Tune in to learn why focusing on the fundamentals, understanding economic moats, and valuing businesses conservatively are key to achieving sustained financial success.

[00:00:46] - Why Invest in Stocks?

Thomas explains why he chose to invest in stocks over other assets like real estate or Bitcoin, influenced by his reading of "Rich Dad Poor Dad."

[00:02:40] - Influential Investing Books

Thomas discusses key books that shaped his investment philosophy, including Warren Buffett’s letters, "One Up on Wall Street" by Peter Lynch, and "The Joys of Compounding" by Gautam Baid.

[00:05:08] - Why Steady Compounding?

Thomas explains the concept of steady compounding and why he prefers this approach to get-rich-quick schemes.

[00:08:38] - Thomas’s Background and Motivation

Thomas shares his personal background, including growing up in poverty, and how it motivated him to pursue financial independence through investing.

[00:11:40] - Pitfalls for New Investors

Discussion on common mistakes new investors make, such as checking stock prices too frequently and getting swayed by market narratives.

[00:17:05] - Investing in Resilient Businesses

Thomas emphasizes the importance of investing in businesses with strong fundamentals and the ability to recover from temporary setbacks.

[00:22:19] - Analyzing Companies

Thomas outlines his process for analyzing companies, including the importance of understanding a company’s total addressable market (TAM) and economic moat.

[00:27:01] - The Importance of Being a Generalist

Thomas argues that being a generalist in investing allows for a broader understanding of multiple factors that contribute to a company’s success.

[00:31:02] - Evaluating Brands

Discussion on the current state of brands like Nike and Starbucks, and the challenges they face in maintaining brand strength.

[00:34:55] - The Role of Valuation

Thomas shares his approach to valuation, stressing the importance of keeping it simple and being conservative with growth projections.

[00:43:43] - Constructing a Portfolio

Insights into how Thomas builds his portfolio, including his strategy of buying in tranches and diversifying across 15-20 stocks.

[00:50:33] - Exciting Investment Opportunities

Thomas talks about his current interest in finding opportunities outside the “Magnificent Seven” and his analysis of companies like PayPal.

[00:52:12] - Writing and Communication Skills

Thomas shares tips on how he developed his writing skills to effectively communicate complex investment concepts.

[00:54:38] - Where to Find Thomas Chua Online

Thomas shares how listeners can connect with him through his website, SteadyCompounding.com, and social media platforms.

Get more from Thomas:

X: @SteadyCompound

Blog: Steady Compounding

Today's show is sponsored by:

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Mastering Money Management: Having the "Money Talk" Aug 15, 2024

In today's episode, Evan joins us to discuss crucial financial concepts that can impact your long-term success. He shares his experience of managing a significant income increase, the importance of proactive financial habits, and the benefits of investing early. Learn about avoiding common pitfalls and making smarter financial decisions. Dive in!

00:00 Treating extra money as essential; avoid overspending.

05:40 Navigating financial education, questioning concepts, discovering investing.

07:52 Avoid short-term, complex trading for long-term growth.

11:27 "Dollar cost averaging: Simple, effective investment strategy."

15:06 Standard savings accounts provide minimal growth opportunity.

17:26 Misunderstanding credit can lead to financial trouble.

21:18 Building credit is important, but not decisive.

24:52 Roth IRA: tax-free, accessible in emergencies. Standard taxable brokerage account: subject to taxes.

27:50 Shift to bonds as retirement nears for security.

32:30 Start small, build habit, secure financial future.

33:44 Find impactful, straightforward financial resource online.

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Investing Lessons from Seven Powers: Analyzing Moats and Competitive Advantages Aug 12, 2024

Hey there, beginner investors! In this episode of The Investing For Beginners Podcast, host Dave explores Hamilton Helmer's "Seven Powers" framework for sustainable competitive advantage. The seven powers include Scale Economies, Network Economies, Counter Positioning, Switching Costs, Branding, Cornered Resource, and Process Power, with real-world examples like Netflix and Amazon.

00:00 Experienced consultant, author, and teacher in strategy.

05:14 Companies gain competitive advantage through superior processes.

09:29 Netflix's growing subscriber base bolstered investment.

10:47 Netflix grows value through data and content.

17:42 Amazon's distribution network and process power unparalleled.

20:56 Microsoft transitioned to cloud, disrupting traditional model.

24:44 Identify indicators early for strong investment choices.

27:21 Diversify portfolio with different growth drivers. Checklist.

28:41 Understanding and analyzing company advantages and impact.

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O to 1 in the Stock Market

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Exploring the Power of Reading and Thinking with Giuliano Mana Aug 08, 2024

Hey there, beginner investors! In this episode of The Investing for Beginners Podcast, Giuliano Mana from Argentina discusses the importance of reading, building mental models, and applying interdisciplinary wisdom to investing. We explore insights from thinkers like Charlie Munger and analogies between business and nature. Don't miss this enlightening conversation!

00:00 Reading fosters deeper learning than podcasts or videos.

10:17 Leveraging ideas for better living and investing.

11:44 Compete with the mind, embrace simplicity.

20:26 Curious about lack of writings beyond investing.

26:04 Investment community incorporating behavioral economics in analysis.

32:03 Man discovers subconscious memory of Latin name.

38:01 Feynman confirmed no absolute truths in investing.

42:20 Assigning weight to position based on certainty.

47:05 Darwin's idea of natural selection revolutionized science.

51:37 Open-mindedness fosters growth; contrarianism for its sake stifles.

58:53 Understanding investing principles relies on more than repetition.

01:03:56 Importance of understanding and analyzing investment decisions.

01:10:32 Understand companies before investing; some are complex.

01:13:00 Businesses relate to plants' reproductive strategy. Attractiveness for reproduction and marketing.

Learn more from Giuliano here:

X: @Giuliano_Mana

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Mastering Economic Moats with Matt Cochrane Aug 05, 2024

Welcome to The Investing For Beginners Podcast! Dave and Matt Cochrane discuss the wealth-generating potential of the US stock market, focusing on economic moats in companies like Berkshire Hathaway, Amazon, and Google. Matt emphasizes evaluating moats, track records, and market disruption, sharing tips and early investment lessons for robust strategies.

00:00 Learning finance from books, managing tight finances.

03:20 Users patiently answered basic investment questions, fostering growth.

09:35 Live as if God or stock thrives.

12:04 Economic moat: Competitive advantage protecting company.

15:51 Telephone network effect creates valuable economic mode.

18:12 AWS migrated from Oracle, posing challenges.

23:21 Brand loyalty and value in consumer choices.

26:40 Highly profitable company in Permian Basin, Texas.

29:46 Southwest Washington had successful low-cost flight strategy.

31:52 Analyze company track record, assess competitive moat.

35:28 Efforts to rival Facebook failed, meta's strength.

39:23 City needs big three ratings for bonds.

41:26 Nvidia and Taiwan Semi lead in innovation.

43:54 Tech giants making own chips, consider valuation.

47:04 Praising Brian and the team's fantastic work.

Learn more about Matt here:

X: @TheMattCochrane

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Discover Kris (From Growth To Value) Heyndrikx's Strategies for Identifying and Investing in Multibagger Stocks Aug 01, 2024

Welcome to The Investing For Beginners Podcast! Kris Heyndrikx from Potential Multibaggers shares insights on investing, emphasizing company management and visionary leadership. With a background in linguistics, journalism, and teaching, Kris values reading, writing, and minimizing luck in investing. He discusses companies like Nubank and Shopify as potential multibaggers.

00:00 Inexperienced investor makes mistakes, learns from them.

04:33 Transition from commenter to sought-after writer and advisor.

08:22 Teacher didn't have time, but friend did.

10:54 Average American watches 3 hours of movies.

13:55 I focus on facts, not others' opinions.

19:07 Studying stocks leads to insights in diverse fields.

23:07 People matter in management; CEOs make difference.

26:09 Visionary individuals pursue seemingly impossible, ridiculed goals.

30:25 Unique isn't always that unique; patterns matter.

33:58 Criteria great, Nubank impressed and sold.

35:30 Complicated IPO, podcast insights from industry leaders.

40:45 Focus on winners for long term investing.

41:58 Investing strategy: holding long-term on winners.

45:03 Focus on growing position, especially in Shopify.

48:06 Grateful for input, sharing show notes. Enjoyable conversation.

Find more of Kris here:

X: @FromValue

Substack: Multibagger Nuggets (Free Content)

Podcast: Multibagger Nuggets

Linked In: Kris Heyndrikx

Here's the link with a 2-week free trial and a 20% discount if you stay for Potential Multibaggers. https://seekingalpha.com/affiliate_link/Dave

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How to Evaluate Stocks as a Beginner with Brian Feroldi Jul 29, 2024

Welcome to The Investing For Beginners Podcast! I'm your host, Dave. Today, Brian Feroldi from Long Term Mindset shares wisdom on stock fundamentals, company moats, and financial statements. Whether you're a novice or seasoned investor, tune in for actionable insights and secrets to successful investing. Check the show notes for more!

00:00 Researching companies using Google and investor relations.

03:15 Quickly assess company info and potential interest.

07:58 Checking inventory, goodwill, and company growth preferences.

12:46 Analyze company's financials for growth and stability.

13:50 Analyze cash flow to assess company performance.

19:15 Customers reluctant to switch vendors, market leadership, low cost operations, brand value.

22:52 New shoe brand, cybersecurity, and streaming markets.

26:47 Customer behavior crucial in evaluating company's success.

28:54 Strong customer relationships, essential recurring revenue.

31:51 Importance of CEO's stock ownership in management assessment.

37:12 Long-term stock performance key for fundamental investing.

38:09 Long-term stock performance tells shareholder value story.

41:21 Free investment checklist with scoring system available.

Learn more about Brian:

X: @BrianFeroldi

Youtube: Long Term Mindset

LinkedIn: Brian Feroldi

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Secrets to Investing Success in Less Trendy Industries With Misfit Alpha Jul 25, 2024

Welcome to The Investing For Beginners Podcast! I'm Dave, and today, special guest Tyler Crowe from Misfit Alpha shares his insights on undervalued stocks. We'll explore investing in less trendy industries like electrical contracting, AI, and more. Tyler also discusses management incentives, mergers, and opportunities in AI and cloud computing. Enjoy!

00:00 Analyzed 7500 companies, found 675 true alphas

04:58 Real estate as investment, with research appeal.

08:36 Many successful companies with common traits.

10:45 Companies with limited competition can generate wealth.

14:54 Management actions impact company success and returns.

17:19 Companies share wealth with all employees, thriving.

21:18 CEO value, compensation, and management's impact summarized.

25:47 Seek simple, undervalued businesses for better returns.

26:57 Company NBR operates with minimal communication and AI.

32:27 Lived abroad, cautious about tech investments, risks.

33:27 Invest in solid, boring businesses, not trends.

39:14 Limited potential in energy and electricity investments.

40:44 Avoid investing in industries you don't understand.

43:54 Large mergers often lead companies to struggle.

48:50 Mergers and acquisitions may not benefit companies.

50:17 Contract research organizations manage pharmaceutical clinical trials.

53:22 Long-term growth in businesses through reliable distributors.

Learn more about Tyler here:

X: Misfit Alpha

Subtack: Misfitalpha.com

Code mentioned on show: Misfitalpha.com/beginners for 25% a subscription

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How You Can Have a Better Relationship with Money Jul 22, 2024

Welcome to The Investing For Beginners Podcast! I'm Andrew, with co-host Dave. Today, we dive into budgeting, financial management, and our Personal Finance Kickstart Program. Learn to prioritize giving, adopt an abundance mindset, and enjoy guilt-free spending. Join us to improve your financial health and achieve freedom. Let's get started!

00:00 Money's importance shouldn't be ignored, taboo.

03:13 Teaching financial empowerment for present and future.

06:24 Shift mindset, manage well, embrace limited resources.

11:36 Prioritize giving first in managing finances.

13:56 Adopt abundance mindset for positive life changes.

18:07 Prioritize relationships and time over money accumulation.

20:07 Financial education lacking in society leads to debt.

24:28 Financial freedom allows for memorable experiences.

28:22 Get answers on personal finance with Dave.

30:23 Wrap-up show emphasizes better money-life balance.

To learn more about how to become a better manager of your money, go here:

Financial Birds Bees

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Back to Basics: Sell Rules Jul 18, 2024

Welcome to The Investing For Beginners Podcast! In "Sell Rules," Dave and Andrew discuss critical stock selling decisions, emphasizing slow, strategic actions and avoiding reactionary choices. They share sell rules, real-world examples, and the importance of understanding company fundamentals and debt management. Tune in for valuable insights on refining your investment strategy.

00:00 Sell negative earnings before company goes bankrupt.

05:06 Buying company involves risk, analysis, and adaptation.

09:23 Disney faces financial challenges due to pandemic.

12:02 Market reactions to dividend changes are significant.

16:14 Meta's potential risk of investment in metaverse.

20:14 CEO capital allocation and long-term performance analysis.

23:18 Debt, reinvestment, regretful stock sale cautionary tale.

26:50 Be mindful of financial red flag numbers.

28:01 Avoid knee-jerk reactions, use sell rules.

31:10 Owen emphasizes safety; have a great week.

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Kyle Grieve Joins Us to Explore the World of Small Cap & Nanocaps Jul 15, 2024

Welcome to "The Investing For Beginners Podcast." Host Dave and guest Kyle Grieve discuss value investing, emphasizing continuous learning, reading, and building investor relationships. Kyle shares his focus on high-quality small and nano-cap businesses, the importance of due diligence, networking, and starting with small investments. Tune in for practical advice!

00:00 Strength training taught discipline and investment principles.

03:33 Discipline and mind key to investing success.

08:52 Reading broadly, deeply, and using knowledge daily.

09:58 Book on investment and risk, impactful read.

15:49 Talked with Chris Mayer about outperforming small businesses.

19:02 Connecting with nanocap CEOs can yield insights.

22:17 Researching stocks, found solution using interactive brokers.

24:23 Finding investment ideas without screening, using network.

27:55 Explore, learn, expand, and push your limits.

30:42 Questioning decision-making on investment and understanding limits.

33:16 Focus on understanding business, before investing.

38:38 Underrated mastermind groups unite investing enthusiasts.

40:07 Value of community in self-awareness and growth.

43:33 Following Kyle on podcast, Twitter, LinkedIn beneficial.

Learn more from Kyle here:

X: @IrrationalMrkts

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Back to Basics: All About Moats Jul 11, 2024

Welcome to "The Investing For Beginners Podcast"! In today's episode, hosts Dave and Andrew explore competitive advantages and business moats. They discuss strategies of Costco, Amazon, and Microsoft Azure, examine switching costs with banks and Intuit, and highlight intangible assets using Starbucks and Coca-Cola as examples of brand power.

00:00 Stock pickers may ignore moats; long-term investors need them.

04:55 Economies of scale drive business profitability, efficiency.

07:07 Costco's scale economy share drives customer loyalty.

10:03 Different kinds of moats create competitive advantage.

13:12 Jack Henry provides essential banking infrastructure software.

17:17 Brand power key to company success, examples.

19:56 Network effect: Value grows as users increase.

24:17 Texas Instruments scales production, offers low-cost products.

28:21 Consider price and longevity when investing wisely.

29:28 Markets change, nothing lasts forever, historical evidence.

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Understanding Investment Frameworks: Jeff and Jason’s Ideas from Investing Unscripted Jul 08, 2024

Welcome back to The Investing For Beginners Podcast! Join Dave, with special guests Jeff and Jason from Investing Unscripted, as they explore diverse investment strategies. We'll cover spreadsheet analysis, cash flows, market trends, and the psychology of investing. Learn from their personal journeys and gain practical insights to make informed financial decisions. Enjoy the show!

00:00 Struggling with when to decide on companies.

03:45 Investors face tough decisions, different answers needed.

07:53 Material info drives investment decisions, monitor quarterly.

09:47 Research, learn from experts, diversify, acknowledge ignorance.

14:29 Planning for market volatility in investing strategy.

19:08 Monitor stock value, consider historical performance.

20:05 Reassessing stock value with AI's future impact.

25:01 Pattern seeking humans struggle in complex markets.

29:10 Brief process: choose interesting, not boring stocks.

31:45 Monitor trends, understand KPIs, follow management.

35:29 Auto industry, except Tesla, not profitable investment.

38:49 Both processes seek same things differently visually.

42:12 Monthly podcast, portfolio on Savvytrader.com, newsletter.

44:03 Professionals struggle too but learn from mistakes.

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Twitter: @InvestingPod

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Back to Basics: Ranges of Outcomes in Investing Jul 04, 2024

Welcome back to The Investing For Beginners Podcast! Dave and Andrew explore the range of outcomes in investing, focusing on different companies and industries' risk and reward levels. We'll discuss strategies, tech startups, total addressable markets, and high-risk ventures like DraftKings. Join us for insightful investment guidance. Let's dive in!

00:00 High risk, high reward in early stages.

06:35 Founder's ambition affects capital allocation and success.

07:36 Thoughts on young company industries and growth.

12:41 Analyze risk and rewards for business success.

15:55 Investor bought cheap stocks, used shotgun approach.

19:37 Struggling with stock choices and valuations.

25:21 Uncertain about future of online gambling in US.

29:23 Mature companies have stronger barriers to entry.

31:15 Entry barriers challenge, creating big financial obstacle.

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Insights on Selling Stocks and Evaluating Management from Brett and Ryan of Chit Chat Stocks Jul 01, 2024

Welcome to The Investing For Beginners Podcast! Today, host Dave is joined by Brett and Ryan from "Chit Chat Stocks." They discuss knowing when to sell a stock, evaluating management, and avoiding red flags like accounting issues. Brett and Ryan share their refined investment process, including research, financial metrics, and gut feelings. They emphasize learning from mistakes, gradual investment building, and continuous learning. Topics include Brett's three-step research process, Ryan's cautious investment approach, and the impact of management on stock performance. Tune in for valuable insights and strategies for better investment decisions.

00:00 Finding stock ideas through various sources and research.

06:16 Start with basics, understand company and business.

10:59 Analyze revenue growth, KPIs, valuation for companies.

18:37 Focus on few sectors you understand well.

24:17 Understanding industry takes patience, but profitable potential.

27:22 Learn, gather, understand, share, and improve.

35:20 Not into clutter, prefer gradual investment growth.

40:18 Assess company actions, CEO control, and incentives.

46:45 Investor day goals, executive metrics, shareholder caution.

49:53 Wells Fargo culture encouraged aggressive sales tactics.

54:25 Valuable products gaining industry share, selling strategically.

01:00:17 Listen to Chit Chat Stocks podcast. Available everywhere.

To learn more from Brett and Ryan:

Chat Chat Stocks Podcast

Brett on X @CCM_Brett

Ryan on X @CCM_Ryan

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Back to Basics: Opportunity Costs in Investing Jun 27, 2024

Welcome to The Investing For Beginners Podcast with Dave and Andrew. In today's episode, "B2B Opportunity Costs," they explore the concept of opportunity costs in investing. Using real-world examples, they discuss choosing between stocks and S&P 500 index funds, and evaluating savings account interest rates. Dave shares strategies inspired by Uncle Warren, emphasizing conviction in portfolio management, while Andrew highlights portfolio decisions and position sizing. They stress aligning investments with personal goals, tracking KPIs, and using company filings for crucial updates. Learn why assessing opportunity costs can enhance long-term returns and make smarter investment decisions. Tune in for valuable insights!

00:00 Investing has risk and opportunity cost considerations.

03:11 Investment decisions require careful consideration and analysis.

08:43 Monitoring business changes: qualitative and fact-based.

10:31 Rising costs impact profitability and competitive advantage.

14:27 Monitoring KPIs for business growth and stability.

20:00 Record reasons for buying, avoid impulsive trading.

24:38 Evaluate portfolio turnover to manage investment decisions.

26:06 Modeling mentor behavior. Focusing on key portfolio positions.

32:01 Investor focuses on sound decisions, not hype.

33:04 Consider opportunity costs when pursuing your goals.

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Digging Into Semiconductors: Analyzing Skyworks with Tyler Nash Jun 24, 2024

In this podcast episode, Tyler Nash discusses his investment in Skyworks, a semiconductor company linked to Apple. He highlights opportunities, risks, financial performance, and market dependencies. Comparisons to competitors like Texas Instruments and Qualcomm are made, along with broader semiconductor industry risks. The episode also covers investment strategies and long-term financial goals.

00:00 Skyworks: semiconductor company crucial for future technology.

05:28 High revenue reliance on Apple presents concerns.

08:42 Long-term investment strategy crucial for company assessment.

11:15 Understanding industry moats can be challenging.

12:28 Skyworks successful partnership with Apple valued.

16:18 Expansion into electric cars and IoT technology.

21:04 Buyers consider performance and bulk availability differences.

23:07 Preparing for long-term financial security with family.

25:33 Confident in holding for good dividends, reinvestment.

29:12 Considering confidence when deciding how much.

35:45 Evaluating risk and comfort with potential fluctuations.

37:51 Getting too confident in the market humbles.

39:54 Join our group, reach out to Dave.

43:01 Thank you, Tyler. This was awesome! Goodbye.

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Back to Basics: Avoiding Financial Statement Yellow Flags Jun 20, 2024

In this podcast episode, Andrew and Dave discuss "yellow flags" in investing, such as leadership changes, negative events, financial concerns, and slowing revenue growth. They use real-world examples like PayPal, Microsoft, and Square to illustrate the impact on company trajectory and emphasize the importance of observing these indicators for informed decisions.

00:00 Yellow flags could lead to deeper issues.

04:53 Management's job is to allocate capital effectively.

07:39 Gross margins signal company strength and advantage.

12:52 Management's choices, companies as serial acquirers.

15:11 Google's history of strategic acquisitions discussed briefly.

19:28 Competitors pulling ahead, be vigilant and proactive.

23:22 Concern about trend in grocery store performance.

25:53 Changing company mindset and culture takes time.

27:32 Change takes time, need patience for success.

32:01 Management avoiding tough questions raises significant concerns.

34:32 Honesty and accountability build trust with stakeholders.

39:08 Consider impact of employee incentives on shareholders.

41:31 Leaders' diverse backgrounds impact business success profoundly.

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IFB350: Investing Abroad - Understanding TSMC, Geopolitical Risks, and Foreign Companies Jun 17, 2024

Welcome to Episode 350 of The Investing For Beginners Podcast! Today, Andrew and Dave delve into the intriguing world of international and tech investments. We'll kick things off by addressing a listener's question about investing in foreign companies and the unique challenges it presents, using TSMC's ADR as a case study. We’ll explore the impact of geopolitical factors, differing accounting standards, and cultural nuances.

Next, we shift gears to discuss the tech and energy sectors, focusing on the rising demand for cloud computing and green energy infrastructure. We'll highlight Microsoft's collaboration with Brookfield Asset Management, Georgia's new nuclear facilities, and the US's electricity infrastructure needs. Plus, we'll predict the future landscape of cloud powerhouses like AWS, Microsoft Azure, and Google Cloud Platform, and debate whether chip manufacturers like TSMC or AMD may get crowded out.

We'll also tackle the controversial topic of investing in Palantir, diving into its high PE ratio, stock-based compensation, and Dave's evolving perspective on its potential. Wrapping up, we'll consider the opportunities and risks of investing in the burgeoning cloud industry, from data centers to power back-ups.

Stay tuned for an insightful episode packed with expert advice on navigating the complex terrains of international and tech investments!

00:00 Consideration of different accounting standards in global business.

03:19 Understanding cultural differences crucial for international investing.

07:02 High PE means more risk, but depends.

10:08 Palantir's potential growth and stock volatility explained.

14:48 Comparing computing power: AWS vs Azure.

18:11 It's hard to pick a winner. Invest wisely.

21:08 Data centers expanding for faster customer access.

25:29 US infrastructure needs significant investment for improvement.

26:33 Interest in learning tech and energy related areas.

29:47 Emphasize safety while investing. Have a great week!

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Back to Basics: Understanding Efficient Markets for Beginners Jun 13, 2024

[00:00:00] – Welcome to another episode of the Investing for Beginners Podcast. In today's installment of our "Back to the Basics" series, hosts Andrew and Dave dive into the topic of efficient markets. What exactly is the Efficient Market Hypothesis, and how does it influence your investment strategy? Our hosts break down the theory, explore its origins, and debate its real-world implications. Is the market always right? Can savvy investors still find hidden opportunities? From historical market reactions to contemporary examples, Andrew and Dave unpack how market emotions and behaviors can sometimes disrupt the "efficient" pricing of stocks. Whether you're new to investing or looking to sharpen your skills, this episode provides valuable insights on navigating efficient markets and seizing those elusive investment opportunities. Tune in and discover how to enhance your investing acumen with practical tips and strategies.

00:00 Efficient market theory says it all - no edge.

05:34 Apple's growth not necessarily future indicator. Opportunities in motions getting out of whack.

09:07 Crowds' wisdom helps stock market with emotions.

11:57 ETFs offer various stock baskets for investors.

13:34 Hot sectors attract money, driving market returns.

17:19 Embrace dollar cost averaging to amplify returns.

21:21 Investing requires patience, strategy, and valuation knowledge.

23:52 Series wrapping up, back to basics investing.

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IFB349: Stock Splits, Diversification, and European Markets Jun 10, 2024

Welcome to Episode 349 of the Investing for Beginners Podcast! In this episode, Dave and Andrew delve into the fascinating world of investing, addressing listener questions on topics ranging from stock splits to portfolio diversification. They share insights on maintaining interest in investing, the impact of liking the players in your portfolio, and the importance of finding what works best for your individual time commitments. Stay tuned as they discuss the upcoming stock split for Chipotle, the European stock market, and the structure of a novice investor's journey. Plus, valuable advice on diversifying investments, moving into ETFs or index funds, and maximizing returns. Let's dive into this episode filled with informative content for all levels of investors.

00:00 Gradually sold Wells Fargo stock, reinvested profit.

05:48 Consider VTI or SPY for investments.

09:18 Maximizing returns depends on stock diversification.

10:13 Diversify portfolio, expect performance variations over time.

14:13 Beginners should focus on investing more money.

19:13 Timing of stock purchase doesn't significantly matter.

22:35 Missed deadline; impact of trading options.

23:58 Agree on reasons, maybe also cynical motives.

29:29 Prioritized investing based on life stage, adjusted routines.

31:20 Building knowledge through consistent dedicated time management.

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Back to Basics: The Best Way to Read a 10k Jun 06, 2024

Welcome to The Investing For Beginners Podcast! In this episode titled "How to read a 10-K," Dave and Andrew dive deep into the world of annual reports, discussing the critical role a 10-K plays in helping investors understand a company's performance and risks. They share their approaches to navigating complex financial information, filtering companies based on key indicators, and the importance of understanding different business metrics. From deciphering cash flow statements to uncovering potential blind spots in company risks, join our hosts as they unravel the intricacies of reading and analyzing 10-K reports. Learn how experience, note-taking, and deep thinking can empower you to make informed investment decisions as they explore the fundamental elements of company analysis. Stay tuned for invaluable insights on investing practices and techniques that can enhance your investing journey.

00:00 Publicly traded companies require 10-K for transparency.

04:47 Approach company analysis by focusing on revenue.

06:39 Using Finchat, I evaluate company financials.

10:14 Long-time user biased by positive experiences.

13:43 Focus on cyclical companies, especially John Deere.

17:38 Company focus on tech; understand key aspects.

21:46 Evaluate Netflix using shortcuts, like Finchat and Quickfs.net, plus cash flow deductions.

25:20 Netflix revenue segmented by geography, US growth.

28:32 Analyzing KPIs, creating more questions, educational experience.

30:13 Writing things down helps learn and retain.

34:19 Analyzing company's debt and potential future issues.

37:05 Analyze company checklist, research, and evaluate competitors.

40:35 Time spent thinking crucial for successful investing.

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Scott Hanson on Fiduciary Responsibility and Financial Planning for Beginners Jun 03, 2024

Welcome to "The Investing For Beginners Podcast." In today's episode, we welcome Scott Hanson, co-founder and vice chair of Allworth Financial. As a fiduciary advisor with extensive experience in financial planning, Scott provides valuable insights on several key topics.

We'll discuss recent Department of Labor regulations emphasizing fiduciary responsibilities for 401k plans, the shift in retirement trends, and the evolving landscape of financial advising. Scott will explain why smaller investors should consider subscription or fee-based models and the importance of comprehensive financial planning with a tax perspective.

We'll also cover the changing concept of retirement, the critical role of 401k savings, and why Social Security should not be your sole retirement plan. Additionally, Scott will share tips on properly vetting your financial advisor and the importance of building a trusting relationship.

Whether you're starting your financial journey or refining your investment strategies, this episode is packed with actionable advice and industry insights. Tune in as we explore these crucial topics and more with Scott Hanson.

00:00 Surround myself with smart people, seek growth.

03:55 Conflicts in financial product distribution and commissions.

07:37 Advisors should act as fiduciaries at all times.

12:01 New financial planning model includes various fees.

13:53 Building trust in relationships crucial for financial advice.

17:32 No free lunch, watch insurance company claims.

22:02 Iras require fiduciary management; game changing.

23:34 Financial advisors help achieve goals through planning.

26:57 Young financial advisors need people skills, persuasion.

31:29 Gut feeling: Benefits to wealthy will decrease.

33:24 Financial independence ideal, retirement evolving, work options.

37:38 Personal responsibility crucial for financial security, government assistance.

40:00 Assisting with financial planning and mentoring new advisors.

Learn more about Scott and his firm here:

Allworth Financial

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Back to Basics: Essential Portfolio Maintenance for Investors May 30, 2024

Welcome to "The Investing For Beginners Podcast!" In today's episode, "Portfolio Maintenance," hosts Andrew and Dave explore strategies for building and maintaining an investment portfolio. They address the market's unpredictability and the difficulty of forecasting leading companies, emphasizing the importance of considering age, time horizon, and risk tolerance. They discuss balancing growth potential with risk, especially nearing retirement, and highlight the dominance of tech giants like Google and Apple.

The hosts also share insights on owning low-growth companies, tax considerations when selling stocks, and the risks of investing in young industries. Drawing from personal experiences, Andrew and Dave stress understanding the businesses you invest in and avoiding sectors outside your expertise. Part of the "back to the basics" series, this episode offers wisdom to help you make informed investment decisions. Tune in for practical tips and thought-provoking discussions on portfolio maintenance!

00:00 Building a portfolio requires strategic future planning.

05:08 Diversify investments based on company maturity and risk.

07:23 "Retirement: Less risk, more bonds, seek advice."

13:49 Investing in mature companies with slow growth.

17:30 Big tech dominates stock market, future unclear.

18:21 Importance of company size in investment decisions.

22:43 Maximize growth by sticking with high performers.

27:19 Adjust portfolio based on lifecycle and goals.

30:11 Seek guidance from experienced individuals and companies.

31:22 Value spotlight offers support and guidance.

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IFB348: The Art of Stock Picking - Expectations and Realities May 27, 2024

In Episode 348 of The Investing for Beginners Podcast, hosts Dave and Andrew explore various investment topics, including the impact of electric vehicles and stock buybacks with examples like Autozone and Nvidia. They discuss the advantages of small investments for compounding benefits, transitioning from specific retirement accounts, and understanding tax implications. The episode emphasizes the importance of mindset in investing, acknowledging that learning from mistakes is part of the journey, catering to both new and seasoned investors looking to enhance their strategies.

00:00 Investing book recommendations include "Happier" and "Warren Buffett Way."

06:22 Consider self directed brokerage account vs. 457.

08:00 Focus on investor goals, consider tax implications.

11:32 Approach stock picking with a growth mindset.

15:37 Uninterested in company due to lack of interest.

20:25 Businesses can surprise with sudden growth opportunities.

22:45 Adapt to circumstances, save, budget for stability.

26:32 Seeking Alpha, company website, beginner books, resources.

28:52 Focus on value, not just price comparisons.

32:11 Autozone retail stores avoid significant disruption, unlike tech.

34:49 Investing in uncertain markets: no sure thing.

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Back to Basics: Effective Tools for Tracking Your Investment Performance May 23, 2024

In this episode of The Investing For Beginners Podcast, hosts Dave and Andrew discuss how to manage investment portfolios effectively while avoiding market noise. They offer strategies for monitoring investments over time, using tools like Seeking Alpha and Bamsec for updates, and setting up company alerts for firsthand information. The discussion emphasizes focusing on essential data and introducing deliberate pauses in decision-making to avoid impulsive reactions, aiming to help both new and experienced investors concentrate on long-term gains.

00:00 Track company shares, events, and recommendations.

06:07 Skim annual report, focus on management remarks.

07:21 Checking stock market daily for entertainment, caution.

11:50 Assessed business sustainability during lockdown, waited to sell.

16:33 Balancing portfolio awareness without overreacting emotionally.

18:46 Gathering data leads to better investment decisions.

23:00 Struggling to resist influence from media and peers.

24:10 Focus on ten k and occasional ten q's for updates.

28:28 User prefers Finchat over seeking Alpha app.

30:36 Emphasize safety in your investment. Have a great week!

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IFB347: Listener Q&A - Exploring Amazon’s Stake in Rivian and Strategic Investment Insights May 20, 2024

Welcome to episode 347 of The Investing For Beginners Podcast! Today, hosts Andrew and Dave discuss key investment topics for all levels of investors. We’ll start by examining the importance of SIPC insurance in protecting investments and the strategy behind holding multiple IRA accounts. We'll then discuss transitioning from growth to dividend-paying stocks as retirement approaches, exploring the benefits and risks.

Next, we'll analyze a company with less than 1% revenue growth over the past decade, discussing its viability as a bond substitute or income-generating asset considering its slow dividend growth and steady free cash flow. We'll delve into company life cycles, spotlighting Watsco and using Berkshire Hathaway as an example to explain complex financial concepts.

We wrap up with a look at 3M’s financial challenges and what they mean for investors. For more resources and insights, visit einvestingforbeginers.com. Join us to enhance your investment strategy and decision-making.

00:00 FDIC insures your money up to $250k.

04:12 This doesn't cover losses in your investments.

08:07 Focus on overall financial picture for retirement.

10:11 Invest in growth stocks, consider future dividends.

13:14 Consider market diversification for long-term security.

17:53 3M stock underperforms market with flat revenue.

22:20 Investment approach and types of investors discussed.

24:15 Company needs to reinvigorate business to grow.

26:23 Lesson learned: be vigilant with financial statements.

30:00 Watsco owns 80% of store, affects finances.

33:49 Amazon trucks easy to use and efficient.

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Back to Basics: Essential Tools for Investors May 16, 2024

Welcome to another episode of The Investing For Beginners Podcast. I'm your host, Dave, joined by Andrew. Today, we're exploring essential tools every stock picker needs, from Excel to advanced platforms like Bamsec and Finchat IO. We’ll discuss how these tools aid in understanding business operations, verifying financial data, and making informed investment decisions.

Andrew and I will share our experiences with tools like Excel and the Little Package Evaluation for financial analysis and valuation. We'll also discuss diversifying investment idea sources, from financial statements to social media insights from Twitter and Substack.

Today’s goal is to show you how to use these tools to understand a company's revenue generation and its potential as an investment. Whether you’re generating new investment ideas or refining strategies, this episode offers valuable advice to enhance your investing skills. Tune in to learn how to leverage these tools to advance your investment acumen.

00:00 Google helps understand businesses with tools.

05:03 Visualizing helps me understand complex concepts better.

08:58 Comparing company revenues requires adjusting for scale.

12:42 Consider investing in companies with Finviz.com.

13:32 Investment ideas from blogs and newsletters save time.

18:09 Discover investment ideas through investor portfolio analysis.

22:12 Substack offers more free content but limited information.

24:15 Use dollar sign and capital ticker symbol.

28:48 Excel simplifies financial analysis; valuable tool.

32:26 Discounted cash flow models determine future cash worth.

35:34 Estimate revenue and terminal growth rates realistically.

37:50 Comparison of financial analysis tools and platforms.

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Bird's Eye View: Reddit IPO May 12, 2024

Welcome to a fascinating new episode of The Investing For Beginners Podcast! Today, your hosts Andrew and Dave will dive into the much-anticipated IPO of Reddit. As seasoned investors who typically steer clear of IPOs, they find it intriguing to unpack Reddit’s introductory documents to better understand its financial health and strategic direction. Throughout the episode, they'll explore Reddit’s user engagement and compare its financial metrics, like the Average Revenue Per User (ARPU), with those of other social media giants such as Facebook and Twitter. Despite the challenges in evaluating a fresh IPO like Reddit, they’ll dissect the S-1 document, spotlight the company's R&D allocations, and discuss the implications of its user base growth potential. Whether you’re a potential investor or just curious about Reddit’s next steps in the public sphere, this episode will equip you with key insights into making more informed investment decisions. Stay tuned as Andrew and Dave weigh the risks and opportunities that come with investing in an IPO, all while emphasizing the importance of a margin of safety.

00:00 Investing for Beginners podcast analyzes Reddit's recent IPO.

03:29 IPO: Company goes public, anyone can buy.

08:48 Public companies need proven track record, growth runway.

11:17 Reddit offers intellectual engagement, less aimless scrolling.

15:29 Comparing Facebook and Reddit's business monetization strategies.

18:46 Concerns about Reddit's future growth and profitability.

20:47 Muted response to Reddit going public discussed.

23:29 Good revenue growth, high R&D spend. Concerns.

29:20 Reddit has loyal user base, lacks investor appeal.

32:21 Discussion on IPOs, Reddit's IPO, and investment.

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Back to Basics: Using Time Horizons to Your Investment Advantage May 09, 2024

Welcome back to another episode of The Investing For Beginners Podcast. Today, hosts Dave and Andrew dive deep into the individual investor's unique advantage over the professional sphere, focusing on the power of time horizon. Tune in as they unravel how personal investment goals differ fundamentally from institutional objectives, and how that structural freedom can lead to superior long-term results. They'll also discuss the inherent disadvantages faced by fund managers, constrained by short-term performance pressures and large capital inflows and outflows. Whether you're new to investing or looking to refine your approach, this episode is packed with insights on leveraging time to enhance your investment strategy, understand market dynamics, and discover why sometimes, the best action is no action at all. Join us as we explore how playing a different game than institutional investors can be your biggest advantage.

00:00 Investing with different strategy, focusing on growth.

06:06 Funds judged on performance, affect inflows/outflows.

09:43 Market forces drive stock ownership patterns.

13:24 Focus on long-term value, not market timing.

16:43 Investing doesn't have to be complicated, stressful.

19:53 Hidden gems in smaller market cap companies.

22:43 Microcap investing doesn't require style change.

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IFB345: Listener Q&A - How to Utilize the 4% Rule for Lasting Wealth May 06, 2024

Welcome back to The Investing for Beginners Podcast. In today's episode 345, we're tackling your pressing questions on making the most out of your investments and preparing for a comfortable retirement. First off, a big shoutout to Enrique, one of our long-time listeners, for a thought-provoking query on the 4% rule and the smartest withdrawal strategies for a sustainable retirement. Also, Enrique, Andrew truly appreciates your marathon training tip—yes, he survived the race! Then, we move on to Martin's dilemma about the staggering expense charges on his educator 403B account. You'll get our take on navigating the world of fees that could chip away at your nest egg and explore alternative investment strategies that align with your financial future. Are hefty fees eating into your retirement funds?

00:00 4% rule: living from stock market gains.

04:15 Consider tax implications when managing retirement accounts.

07:26 Retirement planning expert can improve financial outlook.

10:03 IRA comes in two flavors for taxes.

13:59 Max out Roth IRA, consider long-term fees.

15:56 Watch out for high expense ratios when investing.

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Back to Basics: Portfolio Sizing and Diversification Strategies May 02, 2024

Dave: Welcome, listeners, to The Investing For Beginners Podcast. Today's discussion, "Back to the Basics" delves into the intricacies of portfolio sizing and diversification.

Andrew: We'll explore traditional and contemporary thoughts on portfolio structure, the role of diversification, and the influence of market trends on investment choices.

Dave: Plus, insights on position sizing: when to start small, when to increase, and how to manage your investments within your circle of competence.

Andrew: We'll be sharing our own portfolio experiences, addressing the balance between knowledge and market unpredictability.

Dave: Join us for this and future episodes as we guide you through the investment landscape with a margin of safety as your compass.

00:00 Build diversified portfolio, balance exposure, avoid risk.

04:59 Manageable portfolio size: 15-20 companies, 5% per stock.

08:00 Consider portfolio diversity, own what you understand.

12:10 Portfolio strategy: comfort, familiarity, and company growth.

14:11 Suggest considering concentration versus smaller position sizes.

18:05 Diversified portfolio aiming for around 25 companies.

21:05 Unsure about investing, knowledge may hinder decisions.

24:33 Being aware of market trends is crucial.

26:42 Be aware of IPOs like DoorDash's.

30:34 Knowledge leads to bigger investment opportunity.

33:00 Have a great week, talk to you!

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IFB344: Understanding Business Cycles and Fundamentals Apr 29, 2024

Welcome to episode 344 of The Investing For Beginners Podcast. I'm your host Dave, joined as always by Andrew. Today, we're diving deep into investment strategies tailored for beginners and seasoned investors alike. Our focus takes a sharp turn towards industries that are often overlooked due to pessimism but may offer valuable opportunities for the mean-reverting cyclical trends.

00:00 Beginner's podcast praised, planning brokerage investments, seeking advice.

04:31 Buy partial shares; bypass need for full shares.

07:05 Buy more shares of familiar, strong companies.

10:22 Simplicity in stock screening can yield ideas.

13:15 Choose low-expense index funds for better returns.

17:32 Common stock valuation metrics depend on context.

19:52 Understanding insurance terms is crucial for valuation.

24:47 Buying in pessimistic industry, reversion to mean.

28:29 Read financials, analyze earnings calls for insight.

29:19 Encouraging thanks for questions, keep sending them.

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Back to Basics: Identifying Value Traps and Bankruptcy Signals Apr 25, 2024

Welcome to a new episode of The Investing For Beginners Podcast where we continue our engaging Back to the Basics series. Join us every Thursday for insightful discussions on foundational investment topics. This week, we dive into the murky waters of bankruptcies and value traps, helping you navigate these treacherous scenarios in the investing world. Hosts Dave and Andrew, our resident bankruptcy expert, bring their knowledge to the forefront, illuminating what bankruptcy really means for investors, how to spot value traps, and strategies to protect your portfolio from total loss. Whether it's assessing interest coverage ratios or scrutinizing revenue trends, they're here to provide the tools you need to invest with a margin of safety.

00:00 Stock ownership risky, bondholders get priority in bankruptcy.

03:44 Enron scandal's impact on stock market fears.

09:00 Debt management crucial for company financial health.

10:57 Interest coverage ratio measures company's ability to pay.

14:12 High dividend yield, declining revenues, negative earnings.

18:11 GameStop and Macy's face declining revenue.

20:49 Start with simple rules, then dive deeper.

23:22 Develop checklist for better investment decision-making.

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IFB343:Investing in Nvidia and Tech's Value Chain - Risks and Opportunities Apr 22, 2024

Hello and welcome to The Investing For Beginners Podcast, episode 343. I'm Andrew, with my co-host, Dave, and today we delve into the prudent world of investing with a margin of safety.

In this episode, we'll unveil the robust characteristics of stable companies that offer consistent dividends, exploring their often overlooked but critical role in a balanced portfolio. We discuss the allure of Nvidia, a tech titan whose stock value surge sparks a debate on valuation and investment strategy.

We examine the wisdom of paying premiums for stalwart companies like Microsoft and Visa and share our perspectives on the steadfast dividend aristocrats and kings, which many income investors favor for their reliable performance.

00:00 Invest regularly, avoid timing the market.

06:35 Challenging to evaluate stock with emotional attachment.

10:02 Individual companies should be evaluated differently for investment.

11:51 Steady growth in Visa can yield returns.

15:13 Dividend aristocrats and kings are solid companies.

19:37 Unsustainable high dividend payout ratios can lead to problems.

21:56 Interest in Nvidia due to semiconductor industry.

23:44 Technology enabling AI acceleration, driving Nvidia's growth.

27:44 Conflicted view on Nvidia's potential success.

30:47 Balancing risk in tech investments, consider Nvidia's suppliers.

33:39 End of conversation. Keep sending great questions.

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Back to Basics: Understanding Mr. Market's Behavior for Successful Investing Apr 18, 2024

Welcome back to another episode of The Investing For Beginners Podcast, where we dive deep into the essentials of investing to help you become a savvier market participant. Today, we’re continuing our "Back to the Basics" series with a fascinating discussion about the concept of Mister Market, a term coined by Benjamin Graham, the mentor of Warren Buffett.

Our hosts, Andrew and Dave, will guide us through understanding Mister Market's role as a temperamental business broker whose daily price quotes can stir emotions and create opportunities for investors. They'll share insights into separating stock performance from business facts, forming independent opinions away from prevailing narratives, and maintaining a healthy detachment from market hysteria.

Join us as Andrew and Dave break down the fine line between market noise and actionable investment signals, explore historical cases where going against the herd paid off, and remind us of the importance of focusing on a company's financial health when evaluating its stock. So, put on your thinking cap, and get ready for some valuable investing wisdom. Let's get started!

00:00 Mister Market is a chaotic, persuasive figure.

03:26 Market fluctuates, hold onto valued businesses.

06:47 Focus on financials, not market speculation.

10:07 Market sentiment shifts, seize opportunity in drops.

14:15 Challenging narrative biases to seize investment opportunities.

17:13 External influences shape critical thinking and perception.

19:36 Research, positive financials, customer confidence in American Express.

25:21 Separate stock movement from business performance, think independently.

26:26 Read annual reports, form independent business thoughts. Pay attention to financial data, avoid emotional narratives.

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IFB342: Benefits of Individual Investing - Compounding, Lower Fees, and Long-term Perspectives Apr 15, 2024

Hello and welcome to The Investing for Beginners Podcast, episode 342. Today, we'll dive deep into the nuanced world of REITs, as hosts Andrew and Dave shed light on the benefits, challenges, and strategies for investing in this unique asset class. Are you looking to enhance your portfolio's dividend potential, or maybe you're trying to understand the complexities of funds from operations? We've got you covered.

A hot topic in this episode is the impact of interest rates, the ongoing work-from-home movement, and the weighty influence of political scenarios on your investment strategy. With elections around the corner, we’ll explore whether it’s prudent to adjust your financial sails or stay the course.

We also answer Cheryl's pressing question about the logic behind dedicating a portion of your portfolio to REITs, diving into the sage advice of Benjamin Graham on diversification. Plus, we provide a word of caution to those looking to pinpoint that perfect REIT ETF or stock.

Additionally, Jeff, a listener approaching retirement, seeks advice on optimizing his investment options, including a 401k and a Walmart stock plan. We’ll break down the merits of maximizing employer matches and the advantages of Roth IRAs as part of a retirement strategy.

We’re not just looking at the macro picture; we also dissect the psychology of managing stock positions. Hear from Andrew as he compares holding onto successful stocks with keeping a star basketball player on your team.

And for individual investors, we discuss the compelling advantages you hold over the big financial institutions, highlighting real-life success stories to fuel your investment journey.

00:00 Maximize 401k, consider rebalancing, evaluate investment options.

03:08 Managing Wells Fargo stock in 401K.

06:33 Invest in index funds for success and relaxation.

13:07 Invest in smaller companies for big returns.

16:23 Political power doesn't impact stock market returns.

19:16 Wait and see before making decisions.

22:35 Subscribe to value spotlight for full context.

24:58 REITs offer great dividends, but face challenges.

29:31 Evaluate selling shares, consider investment returns, forecast future.

32:01 I'm wary of losing life savings. Sell = sad lie.

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Back to Basics: The Power of Dollar Cost Averaging Apr 11, 2024

Welcome to the latest episode of the Investing for Beginners podcast! In this episode, Dave and Andrew dive deep into the concept of dollar cost averaging (DCA) and timing the stock market. They discuss the benefits of DCA, its role in establishing good investing habits, and the challenges of timing the market. They explore how emotions and various investor agendas impact stock prices, the importance of a long-term mindset, and offer practical advice for setting up DCA and avoiding the temptation to time the market. Tune in for insightful and practical tips that can help you navigate the complexities of investing and improve your investment strategies.

00:00 Dollar cost averaging establishes investing habit.

03:52 Invest when comfortable, invest now, uncertain future.

07:05 Maximize 401K match, then prioritize personal retirement.

12:04 Markets unpredictable, expect both drops and jumps.

13:44 Market complexities impact personal and company fortunes.

16:42 Investing in the market has various strategies.

19:55 "Long-term mindset, dollar cost averaging key."

22:50 "Monthly dollar cost averaging for investing simplicity."

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IFB341: Navigating Stock Market Volatility - A Guide for Beginners Apr 08, 2024

Welcome to another episode of The Investing For Beginners Podcast! I'm your host, Dave, joined by my co-host, Andrew. Today, in Episode 341, we dive into the chaotic world of the stock market and demystify how it often diverges from actual business performance. We bring back the story of Mr. Market, our quintessential persona that symbolizes the daily highs and lows on Wall Street, and how these swings don't always reflect a company's long-term value.

In this episode, we discuss the importance of an investor's mindset that prioritizes a deep understanding of a business's fundamentals over reacting to market noises. To illustrate this, we share a compelling case study of Ajin, a company we held onto despite a worrying drop in stock price because we understood its strong underlying fundamentals and growth potential in the ever-evolving payments industry.

We'll also tackle some of your burning questions about starting to invest later in life, like Gino, who's 45 and beginning from scratch. Don't worry, we've got practical steps for everyone, regardless of how much you can start with or how late in the game you are.

As always, we encourage all our listeners to reach out via Shopify, Twitter, or email with your questions, and remember to check out episodes 43-47 if you're new to the market.

00:00 Investing is about long-term growth, not speculation.

06:24 Set budget, develop saving habit, open account.

08:55 Learning to handle volatility is crucial for growth.

12:17 Evaluating stocks versus ETFs for easier decision.

14:25 Stock investing: focus on long-term execution.

17:48 Stock performance tied to company fundamentals over time.

21:18 Cycle of hiring to spur company growth.

26:01 Long way to go for simplified payments.

28:44 Thank you for questions, send more.

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Back to Basics: Concentration vs Diversification - Crafting Your Investment Strategy Apr 04, 2024

Andrew: Hello, everyone, and welcome to The Investing For Beginners Podcast. I'm your co-host Andrew, joined by Dave.

Dave: Hi there, investors! Today's episode, Portfolio.wav, is jam-packed with investing essential—diversification.

Andrew: We're discussing the delicate art of portfolio balance, starting with just a couple of solid picks, and the dangers of putting all your eggs in one basket.

Dave: That's right. We'll share personal tales, including my own brush with over-concentration and lessons on not succumbing to investment FOMO.

Andrew: Plus, we're thrilled to announce a weekly series focusing on the basics of stock investing. It's going to be an incredible journey!

Dave: Tune in as we break down strategic diversification, the timing of portfolio expansion, and finding reassurance in your investment choices.

Andrew: So, if you want to build a resilient portfolio tailored to your goals, you're in the right place.

Dave: Let's get started and remember, always invest with a margin of safety.

00:00 Podcast: Basics of portfolio construction and diversification.

05:37 Diversified portfolio improves financial sector performance.

06:46 401K advice: diversify and fish where fruitful.

12:57 Focus on winners, limit diversification for growth.

15:21 Overcoming FOMO, emphasizing selective portfolio diversification.

18:46 Missed opportunities, learning from investment mistakes.

23:05 Most people limit investment at 20%.

24:24 Limit Berkshire Hathaway investment to 25-30%.

27:05 Start with best companies, expand strategically.

30:09 Promoting safety. Have a great week! Goodbye.

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IFB340: The Pricing Power Debate and Investment Strategies for Beginners Apr 01, 2024

Welcome back to The Investing For Beginners Podcast, I'm your host Dave, joined by Andrew, and you're listening to episode 340. Today, we're diving into the critical concept of pricing power and its role in defining a company's moat, especially in heavyweight players like Nvidia and Tesla. As we wade into the debate on whether pricing power is essential for a competitive advantage, we'll also uncover how to spot it in businesses, taking cues from giants like Coca-Cola, Costco, and Apple.

But it's not just about the big names; we'll examine companies that may lack this power, including Lululemon and Airbnb, and why industry giants like Uber and Lyft face challenges due to low barriers to entry. How does pricing power tie into long-term investment success? We explore this, especially in the context of a high-inflation environment.

Later, we pivot to a listener question about the merits of investing in index funds, like Fxaix, versus the peculiarities of the pharma industry with examples like Pfizer. And if you're wrestling with the idea of choosing between dividends or dynamic companies for your portfolio, our discussion on ETFs and traditional index funds is a must-listen.

So, whether you're a seasoned investor or just starting out, join us as we break down these complex topics and offer insights to help you invest with a margin of safety.

Remember to send in your questions for future episodes to newsletter@investingforbeginners.com, and until next week, here's to smart investing and wishing you all a great week ahead!

00:00 Diversify with index funds, explore personal interests.

05:39 Understanding pharma industry dynamics, patents, and risk.

07:55 Patent expiration affects pharmaceutical company's future prospects.

11:05 P. Morgan book: jargon, banking, personal interests.

14:42 ETFs can vary due to holdings, rebalancing strategies.

17:35 S&P 500 returns higher than ETF's yield.

22:16 Consider higher dividend yield from respected investors.

24:10 Invest in ETFs and index funds for success.

30:14 Limited resources like bitcoin, high demand.

33:05 Costco's competitive advantage leads to pricing power.

35:34 Pricing power drives long-term revenue growth.

38:34 Agreement on examples, show wrap-up, call for questions.

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Back to Basics: Unveiling Nick Sleep's Investment Strategy: Destination Analysis for Long-Term Value Mar 28, 2024

Dave: Welcome to The Investing For Beginners Podcast—I'm Dave.

Andrew: And I'm Andrew. Today's episode is all about the art of selling stocks and mastering destination analysis, inspired by the investment philosophy of Nick Sleep.

Dave: We'll dissect how to assess companies for their long-term value, peeking into their DNA, and understanding what makes a brand like Starbucks so enduring.

Andrew: And I'll share my own experiences on shifting investments to avoid potential pitfalls in today's market climate.

Dave: We're also talking about why I've scaled back on PayPal, and the impact of uncertainty on both investor mindset and company performance.

Andrew: Plus, we're highlighting the importance of slow selling and how to stay logical when those storm clouds gather over businesses we've invested in.

00:00 Book "Seven Powers" highlights value of businesses.

06:15 Customers expect quality, will pay for it.

07:11 Kendall Jackson wine: consistent quality and experience.

10:15 Sales, margins, industry, economy, business strategy evaluation.

14:58 Understanding industry dynamics and market trends is crucial.

17:46 Investing in familiar companies reduces emotional disruption.

21:14 Uncertain future for PayPal under new CEO.

26:05 Understanding company and industry can influence decisions.

30:38 Apple's brand power determines long-term success.

31:43 Exciting show ending with investment advice.

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IFB339: Applying Base Rates to Stock Picks: Insights from Michael Mauboussin's Expertise Mar 25, 2024

Andrew: Welcome to episode 339 of The Investing For Beginners Podcast. I’m Andrew.

Dave: And I'm Dave. Today we are examining the crucial interplay between market expectations and the evolution of companies, underscored by recent executive changes at Disney.

Andrew: Our focus extends to the practical applicability of base rates in valuation—a method for investors to ground their growth expectations in reality, inspired by the meticulous research of Michael Mobison.

Dave: We will delve into the pivotal metrics, such as CFROI, that savvy investors should monitor to judge a company's reinvestment efficiency and potential for long-term growth.

Andrew: And we cannot overlook the phenomenon of reversion to the mean, a fundamental principle that impacts companies across different stages of growth, sectors, and market valuations.

Dave: This episode is about equipping you with the tools and knowledge to navigate the complexities of investment opportunities with a critical eye and a measured approach.

Andrew: Prepare to engage with a conversation that’s as informative as it is imperative for anyone serious about their investment journey.

00:00 Gravity of capitalism and stock market cycle.

06:14 Sales growth vital for company's continued success.

08:49 Sales growth reverts to mean over time.

11:41 Research shows most stocks grow modestly yearly.

16:35 Market reversion to mean: fear and greed.

19:07 Legacy companies may lose or gain market share.

20:42 Adversity spurs creativity, innovation doesn't follow straight paths.

25:22 Understanding revenue and sales growth for companies.

28:15 Using base rates for reasonable revenue growth.

30:55 Value investing can lead to high returns.

35:40 Correlation between CFROI and sustainability in sectors.

39:50 Focus on specific sections for actionable results.

41:01 Encouraging safe investing, have a great week.

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Base Rate Book

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Back to the Basics: Standing on the Shoulders of Giants Mar 21, 2024

Dave: Hello, everyone, and welcome to The Investing for Beginners Podcast. I'm Dave.

Andrew: And I'm Andrew. Today's episode is "Shoulders of Giants.wav," where we explore the invaluable lessons from the world's most renowned investors.

Dave: We'll cover why brands like Google and Amazon act as "moats," protecting businesses just like Charlie Munger and Warren Buffett always remind us, and how these moats contribute to the companies' long-term successes.

Andrew: Plus, we're talking about the investor's mindset—patience, temperance, and reading your way to success, just like the greats.

Dave: So, if you're ready to build your investment knowledge, join us as we stand on the shoulders of giants.

Andrew: Let's get into it.

00:00 Collaboration in music and investing brings success.

04:57 Long-term business focus over short-term stocks.

09:43 Amazon's brand brings joy and convenience.

13:39 Charlie Munger's investment philosophy and advice.

14:33 Focus on quality, not mediocre businesses. Trust.

20:51 Limit financial news exposure to prevent emotion.

22:07 Avoid sensational news, remove trigger apps, pause.

26:32 Explore biographies of historical and modern figures.

30:45 Find interesting books, avoid boring ones.

32:16 Focus on safety. Have a great week!

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Sales, AI, and Entrepreneurship: A Conversation with Braden Dennis of Finchat.io Mar 18, 2024

Dave: Hello, eager investors! Welcome back to The Investing For Beginners Podcast. I'm Dave.

Andrew: And I'm Andrew. In today’s episode, we're thrilled to welcome Braden Dennis, the innovative mind behind Finchat, a pioneering firm at the intersection of AI and equity research.

Dave: Braden's going to share the origin story of Finchat, the significance of fundamental research in investing, and how the company is transforming financial data accessibility for professional investors.

Andrew: He's not just a founder; Braden is a testament to the power of passion and grit in entrepreneurship. Starting from simple no-code tools, he has grown Finchat into a partner of multi-billion dollar hedge funds.

Dave: From the potential of AI to change the business landscape to the challenges of startup funding, Braden's insights are invaluable. And for those wondering about entering the tech world without coding expertise, he has some game-changing advice.

Andrew: Prepare for a wealth of knowledge on tech investments, market bubbles, and the entrepreneurial spirit. Let's dive right in with Braden Dennis.

00:00 Always knew I was passionate about success.

06:17 Investors share data and insights online analysis.

09:36 Chemical engineer turns to online stock trading.

13:35 Compete for attention, stand out by asking.

15:55 Co-founder impressed by success with poor product.

20:24 LinkedIn post goes viral, touts Finchat over Bloomberg.

23:12 Venturing into high risk for big returns.

27:37 AI redefining equity research for professional investors.

28:46 Request graphs and lists for retrieval purposes.

32:48 Buffett ready for important decisions, advocating AI.

37:08 Tech company cash flow projections exceed expectations.

41:25 Investors must discern hype from real potential.

43:16 Start now, save money, be entrepreneurial. Find me @BradoCapital, Canadian Investor podcast, Finchat IO.

45:37 Sign off with emphasis on investing safely.

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Back to the Basics: History of the Stock Market + The Power of Compounding Mar 14, 2024

In this episode of The Investing For Beginners Podcast, Dave and Andrew dive into the history of the stock market and the power of compounding. They explore the origins of the stock market, discussing its endurance through major global events and emphasizing its significance as a platform for investing in businesses. They break down the concept of compounding, likening it to a snowball effect and highlighting its potential to grow wealth over time. Drawing from examples like Warren Buffett and Apple, they drive home the importance of understanding the market's history and the potential of long-term investing. Tune in for valuable insights into building wealth through investing and the magic of compounding.

00:00 Stock market is not a magical gamble.

04:38 Stock ownership carries benefits and responsibilities.

07:27 Stock market loves drama, but follows businesses.

12:19 Stock market history repeats, guiding investment decisions.

13:49 Understanding stock market basics key for success.

18:16 Compounding interest builds wealth through multiplication.

21:21 Small percent changes can greatly affect returns.

26:19 Seek learning, find mentors, and be patient.

26:57 Learn, be patient, find solid investments. Avoid fads.

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IFB338: From Valuing Companies to Picking Brokers: Essential Advice for New Investors Mar 11, 2024

Welcome to episode 338 of The Investing For Beginners Podcast! This is your host Dave, with co-host Andrew, and we've got a value-packed episode for you today.

We're breaking down the ins and outs of dollar cost averaging, comparing our philosophies to the likes of investing greats Warren Buffett and Charlie Munger. Plus, we tackle a critical question—how to figure out a stock's valuation and whether it's over or undervalued, demystifying free cash flows and market expectations.

Discover the best beginner-friendly stockbroker firms, understand the benefits of ETFs like VTI and SPY, and learn the practical steps to kickstart your investment journey.

We're delivering key insights on DCFs for company valuations while also touching on the essential resources and practices you need to master the art of investing.

So if you're ready to level up your investing game and find clarity amidst the market noise, you've come to the right place. Let's dive right in!

00:00 Research fees, ease of fund transfer important.

05:34 ETF options: VTI for US market, SPY for S&P 500.

07:20 Invest in ETFs for lower stress, fees.

13:21 Company value tied to cash flows, market expectations.

15:00 Using DCFs to estimate company value. Applying margin of safety to account for biases.

18:26 Businesses have life cycles, uncertain to predict.

23:01 Tools for financial analysis and note-taking.

24:15 Dig deep into company growth; inventory-sales disconnect.

29:41 Invest first hour of your day in yourself.

32:27 Consistent investing can protect from market fluctuations.

33:51 Diversifying investments through regular dollar cost averaging.

37:16 Concluding conversation with insightful and hopeful answers.

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Back to Basics: What is Your Dream? What is Your Why? Mar 07, 2024

Welcome to the "Investing for Beginners" podcast, where we dive deep into the world of investing. In this episode, Dave and Andrew discuss the crucial aspect of knowing your "why" when it comes to investing. They emphasize the importance of understanding your motivations and goals before diving into the stock market. The hosts share their personal experiences and provide practical tips for listeners to define their own "why." From setting a commitment to investing to the power of compound interest, they unpack the fundamental steps for creating a strong foundation in investing. Join us as we explore the significance of having a clear vision and purpose in your investment journey.

00:00 Approach stock trading based on your goals.

04:12 Importance of having a plan and motivation.

08:00 Manage risk, choose real estate or stocks.

10:15 Diverse ways to grow wealth and invest.

15:44 Inspiring people to achieve financial freedom.

19:09 Share with close ones to be accountable.

20:04 Start with $50, grow over time.

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IFB337: Investing with a Margin of Safety: A Strategic Approach Mar 04, 2024

Welcome back to The Investing For Beginners Podcast, this is episode 337, and I'm your host Dave, along with co-host Andrew. Today we delve into the intricacies of stock prices and their movement—or lack thereof. Andrew kicks things off by discussing why stocks might stagnate due to reasons such as overpaying and uncertain prospects, while I'll touch on how some companies might just slip under the radar, creating illiquidity in trading.

In this episode, we'll also unpack the meaty concept of a stock's terminal value, with a nod to tech giants like Walmart and Apple, and talk about how expectations for future growth can hugely influence stock returns – thinking about companies like Zoom and Peloton during the pandemic.

As we weave through these topics, we'll tackle the big question many of you have: should your hard-earned money go into a high-yield savings account or an index fund? It's all about what you're saving for and your timeline - we'll guide you through these choices, from short-term goals like a house or a car, to long-term plans such as retirement, highlighting the importance of dollar-cost averaging.

We're also hitting on the rapid price escalations of companies like PayPal and Nvidia, and what it means to "grow into their valuations." Plus, we have an audience question from Rachel about the sometimes puzzling differences between depreciation and amortization on cash flow and income statements. We'll clear the air on that, so you understand the impact on a company's financial health without getting bogged down in the numbers.

And remember, as Einstein said, "Make it as simple as it needs to be and no simpler." Are you ready to demystify investing? Let's get into it!

00:00 Investing in stocks needs long-term time horizon.

05:24 Time in market beats timing market, habitually invest.

06:26 Consistently invest in market for long-term benefit.

11:23 Accounting principles: balancing revenues, costs, and statements.

13:59 Income statement items explained including non-cash expenses.

16:33 Buyers knew company's greatness; uncertainty about future.

19:55 Finance industry values long-term prospects of stocks.

24:02 Anticipation of revenue growth drives stock prices up.

27:37 Active investing requires diligence and attention to detail.

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IFB336: Navigating Investment Strategies - Diversification vs. Sector Focus Feb 29, 2024

Welcome to The Investing for Beginners Podcast, I'm Dave, joined by Andrew. In episode 336, we tackle the myths around imitating investment giants like Warren Buffett and emphasize forging your own path in the financial markets.

We debate the merits of diversification vs. selecting top-tier businesses, with Andrew sharing his personal investment principals and sectors to avoid. We also examine the intricacies of capital spending and R&D investments, underscoring the success stories of Microsoft and Apple to illustrate our points.

Later, we discuss evaluating management quality and competitive edge in the market, sprinkling in resources like Michael Porter's literature and "Seven Powers" by Hamilton Helmer for those wanting a deeper understanding.

For our beginners, we stress starting small, using trusted brokers, and keeping a long-term mindset. We advocate for learning the ropes of the stock market gradually, reassuring you that everyone makes mistakes along the way.

So buckle up for a straightforward, wisdom-packed episode aimed at helping newcomers navigate the investment landscape with confidence. Let's get started!

00:00 Approach investing as a lifelong learning journey.

03:54 Experience stock market by investing wisely.

09:38 Tech dominates market, diversify for best returns.

13:06 Diversified portfolio focused on individual stock performance.

14:44 Focus on finding best business, not sectors.

20:13 R&D is crucial for creating new products.

21:58 Compare margins and spending to revenue growth.

27:23 Incorporating stock analysis into long-term investment strategy.

29:30 Evaluate business management by measuring financial performance.

32:18 Analyze performance, compare numbers in retail industry.

35:16 Encouraging sign-off after discussing awesome book.

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IFB335: A Comprehensive Look at Five Vital Valuation Metrics for Investors Feb 26, 2024

Welcome to episode 335 of the Investing for Beginners podcast! In this episode, Dave and Andrew dive into a comprehensive discussion about five valuation metrics that can help investors understand the value of a company. They start by explaining the simplest and most frequently used shortcut for evaluating stocks, known as the price to earnings ratio. They also cover the importance of understanding how different metrics apply to companies in various stages of their lifecycle. Additionally, they share insights into the price to free cash flow, price to sales, and price to gross margin metrics before delving into the fascinating world of discounted cash flow (DCF) models. Throughout the discussion, they emphasize the importance of not relying solely on these metrics for investment decisions and highlight the need to compare and interpret them within a larger investment strategy. Prepare to gain valuable insights from this episode as Dave and Andrew shed light on essential valuation techniques and provide practical examples to help simplify the complex world of stock valuation.

00:00 PE ratio not suitable for cyclical companies.

03:14 Consider industry differences when comparing performance metrics.

08:04 Price to free cash flow provides crucial insights.

09:39 Sales indicators are more consistent than earnings.

12:55 Price to sales reveals company's value better.

17:44 Superior product, efficiency, technology, potential moat, pricing power, Buffett's investments: key investment indicators.

19:46 Simplify investment evaluation and future cash flow.

22:30 Valuing business using discount rate for negotiation.

26:47 Free email series teaches building DCF model.

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IFB334: Finding Investing Inspiration - Analyzing the Top Companies of the Year, Year After Year Feb 22, 2024

Welcome back to the Investing for Beginners podcast! In today's episode, Dave and Andrew delve into the concept of "draft classes" for companies, analyzing the top-performing companies of various years and discussing the implications for investors. They examine the performance of companies like Amazon, Nvidia, AMD, and others, and explore the lessons that can be learned from these draft classes. Join us as we uncover the insights from this fascinating discussion and learn how past performance can influence future investment decisions. Stay tuned for a deep dive into the world of investing and the valuable lessons to be gleaned from the past.

00:00 NVDA and AMD awesome, others not great.

04:09 Analyzing stock performance through batting averages.

08:31 Mixed performance for Square, Zoom, Peloton, Moderna.

12:05 Nvidia and Amazon have good track records.

15:26 Stock market trends over 30 years.

18:17 Timing market for Nvidia may impact returns.

20:48 Manage investment decisions carefully to avoid impulsiveness.

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Investing for the Next Generation: A Conversation with Matthew Roseberry Feb 19, 2024

Dave: Welcome to The Investing For Beginners Podcast. I'm your host Dave, joined by my co-host Andrew. Today, we present a compelling episode with Matthew Roseberry, titled “Matthew.”

Andrew: Matthew, an author and self-taught investor inspired by investing legends Buffett and Munger, shares his journey and strategies that simplify investing for the younger generation.

Dave: Beyond numbers, it's the investor's psychology that Matthew underscores, using examples like the renowned Coca Cola. We'll explore how to introduce teens to investing through their existing interests and the imperative concept of compound interest.

Andrew: With a look at Activision Blizzard’s moat within the gaming sector and the benefits of company founders at the helm, Matthew imparts his knowledge that serious investors should not overlook.

Dave: So stay tuned for a thought-provoking discussion on investing fundamentals and strategies tailored for longevity and success.

00:00 Interest in making money led to investing.

05:53 New investors don't need to overcomplicate things.

07:29 Coca Cola's marketing builds share of mind.

12:46 Founder-led companies prioritize simplicity and user-friendliness.

15:21 Conflict with Charlie on Costco board avoided. Costco's ethical, customer-focused business model emphasized.

17:04 Activision Blizzard is a social network for gamers.

21:03 Acquiring Activision will lead to long-term profit.

25:34 Start with what you love: investing advice.

29:01 Compound interest key for teenagers' long-term wealth.

31:45 Book on investing like Buffett and Munger. Suitable for teenagers and new investors. Emphasizes the power of incentives in investing.

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IFB318: Andrew's Valuable Insights - A Conversation on Building and Evolving an Investment Portfolio Nov 27, 2023

Welcome back to another episode of the Investing for Beginners Podcast! In today's episode, we have a special treat as we interview Andrew and delve into his investing journey and the evolution of his portfolio. We'll discuss the lessons he's learned, the changes he's made, and the valuable insights he's gained over the years. From adjusting his investing style to understanding the importance of both numbers and narrative, Andrew shares his experiences and reflections. Join us as we explore the ever-changing world of investing and how it shapes our portfolio strategies. So sit back, relax, and let's dive into this insightful conversation on investing and building a successful portfolio.

00:59 Learning what works for your style, goals.

05:14 Understanding finance as a storytelling detective.

06:24 Price and narrative matter for long-term investing.

13:01 Cyclical industry tied to supply and demand; innovation persists even during slowdowns.

16:38 Company's success relies on humble confidence.

20:18 Value Spotlight reveals valuable insights for investors.

21:58 Price of Value Spotlight newsletter increased to $49.

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IFB317: Listener Q&A - Navigating Market Turbulence with Long-Term Investments Nov 23, 2023

From figuring out profitable business models to spreading investments across sectors, we've got it all covered in this episode. Get ready for some discussions on the importance of aligning your business goals with your passion and the value your business can contribute. We'll also explore the passive approach of owning the entire stock market, strategies of selective sector investing, and the long-term viability and challenges in the REIT business. We'll address questions about accurately measuring returns and the discussion never gets “dinky” when we talk about investments and the importance of adopting a long-term perspective.

00:56 Smart guys at Microsoft pivoted to cloud.

05:46 Choose investor type wisely, diversify, avoid speculation.

06:44 Chasing business cycles is risky; diversification is better.

11:11 Navigating investment sectors requires caution and research.

13:28 Anticipated recession, uncertain but holding on.

19:17 End result matters, not short-term performance.

20:17 End result matters more, less short-term stress.

24:34 Uncertain future, proceed with caution in investments.

29:06 Contractual setup reveals REIT debt and potential market share.

30:52 REIT dividend offers temporary pain relief, long-term usage.

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Building a Diversified Portfolio: Exploring ETFs and Comparing Different Areas with Long-Time Listener Ali Nov 20, 2023

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, we have a special guest joining us, Ali, a dedicated listener and newer investor who has some interesting insights to share. Ali began investing in 2021, focusing on building an emergency fund before diving into the world of stocks and ETFs. We'll discover Ali's investment strategy, including his approach to diversification, his thoughts on international investing, and his preference for certain sectors. Ali also reveals his risk tolerance and the factors that influence his investment decisions.

00:00:34 Thankful for the podcast, started investing in 2019.

00:05:03 Follow portfolio picks, with a few exceptions.

00:07:04 Hopeful for growth, no bonds for now.

00:09:50 Took a risk investing in dogecoin.

00:13:11 Good outlook for Texas Instruments, unsure about TSM.

00:18:49 Expense ratio crucial; wary of international investing.

00:21:00 Stick with what I know, but international opportunities exist.

00:24:00 More international companies on NYSE/Nasdaq desired.

00:27:38 Good idea, like your financial future journey?

00:32:27 Interest rates drive demand for treasury bonds.

00:35:20 Questions about using government website for bond investments.

00:36:49 Bond funds buy bonds of different maturities.

00:41:06 Personal question. My take: Feraldi's graphic on Twitter shows stock market probabilities. Bonds and stocks affected by interest rates. Stocks driving index.

00:45:35 Options for $2,000: T-bills or savings accounts.

00:47:47 T bills are liquid, bank accounts are slow.

00:51:52 Optimize investment or optimize pick? Time matters.

00:53:48 Thank you Ali for your time. Appreciate.

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IFB316: Sales to Capital Ratio: The Key Metric for Predicting Company Growth Nov 16, 2023

In this episode of the Investing For Beginners Podcast, Dave and Andrew dive into the often overlooked metric, the sales to capital ratio. They discuss why investors should care about this ratio, its relation to capital efficiency and growth, and how it can help determine a company's potential. They also provide examples of companies with different sales to capital ratios and offer tips on using this tool effectively. Tune in to gain valuable insights into analyzing company growth and making informed investment decisions.

02:51 One company grows slowly, another grows rapidly.

06:35 Walmart sells items, Netflix creates and sells shows.

09:53 Use averages to mitigate abnormal sales fluctuations.

13:00 Fast growth early, then profit and stability.

16:39 Measure revenue growth based on company assets.

20:01 Biserve grows revenue, FIS plans spin-off.

23:45 Wrap up sales to capital ratio talk. Subscribe, review, visit envestingforbeginners.com.

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The Journey of Becoming an Investor: Learning, Analyzing, and Improving with Long-Time Listener Gilbert Nov 13, 2023

On this episode of The Investing For Beginners Podcast, we have a special guest Gilbert. Gilbert shares his experiences using payment apps like Cash app and his interest in investing and public speaking. Dave and Andrew discuss the overwhelming number of payment options available and how to leverage passions to generate passive income for investment. They dive into Gilbert's plans to grow his dance teaching business and his quest for knowledge on taxes, balance sheets, and increasing income. The hosts also explore the importance of aligning investments with personal goals and interests. Along the way, they share tips and insights for navigating the world of investing.

[00:00:43] Excited guest cites frustration with investing confusion.

[00:04:11] Investing: fear, uncertainty, family's lack of knowledge.

[00:08:55] Princeton choir unaware of potential in investing.

[00:11:22] Maintaining story and analyzing company performance. Emotional challenges, long-term positioning, and disciplined investing.

[00:14:56] Limited understanding, gained wisdom from monthly picks.

[00:18:57] Long-time viewer praises app's user-friendly content.

[00:20:48] Identify, analyze, and benefit from company aspects.

[00:26:15] Taxes, balance sheets, income increase, investment hurdles.

[00:28:51] Learns about taxes and plans accordingly.

[00:31:44] Minimize taxes with long buy & hold strategy.

[00:37:39] No free lunch in finance, trade-offs exist.

[00:41:54] Consider goals, trade-offs, and investments wisely.

[00:45:55] Too many payment options can be overwhelming. Simplify.

[00:48:40] Multiple opportunities to teach dance and public speaking, helping others overcome stage fright.

[00:51:47] Opportunities for dance club growth explored.

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IFB315: Listener Q&A - Analyzing Rivian, Will They Become the Next Tesla in the Electric Vehicle Market? Nov 09, 2023

Welcome to another episode of The Investing For Beginners Podcast! In today's episode, hosts Dave and Andrew dive deep into the world of electric vehicle companies, focusing on the intriguing case of Rivian and its potential to become a major player in the industry. They analyze the factors that may hinder or boost Rivian's success, drawing comparisons to the renowned Tesla. With insights on market competition, financial considerations, and the importance of believing in a company's story, Dave and Andrew provide valuable advice for investors navigating this dynamic landscape.

00:02:49 Huge IPO success for car company without revenue.

00:05:27 Rivian may be falling behind Tesla, Ford.

00:09:44 Less than 1% electric cars on road.

00:12:02 High-risk stock requires belief in execution.

00:14:13 Infrastructure built 15 years ago drives Tesla.

00:18:54 Company generated cash from going public, but faces future dilution and need for more capital to grow.

00:22:25 Rivian benefits from Tesla's groundwork on EVs.

00:25:48 Tesla may have provided a blueprint for Rivian's success.

00:30:04 Limited portfolio exposure suggested for smaller company.

00:33:40 Investing in many companies to find success.

00:35:03 Not a fan, but I respect them.

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IFB314: Listener Q&A - Learning How to Evaluate Potential Growth Opportunities Nov 06, 2023

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, hosts Dave and Andrew dive into a wide range of topics, from analyzing potential growth opportunities for companies to the importance of understanding the lifecycles of businesses. We'll also discuss the complexities of projecting future growth and the significance of building a diversified portfolio. Plus, we'll explore investment strategies for beginners and answer listener questions about stock exchanges and portfolio diversification.

00:01:21 Hesitant to commit, seeking advice on stock exchanges.

00:05:05 Invest wisely, save, and develop good habits.

00:09:15 Assuming accumulation phase, long time horizon: no immediate diversification necessary.

00:10:46 Diversify, hold for long term, build wealth.

00:15:27 Diversification affects returns; owning many stocks matter.

00:19:38 Portfolio diversification is important, aim for 15-20 companies.

00:20:36 Understanding evolving businesses and their lifecycles.

00:26:26 Quickly visualize data with CAGR calculations.

00:29:16 Visa's growth drivers: cross-border payments, Visa Direct

00:33:35 Use your own estimate, not management's.

00:35:30 Company growth projections protect, but be cautious.

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IFB313: Deciding How to Invest - Balancing Risk and Return with Your $10,000 Nov 02, 2023

Welcome to Episode 313 of the Investing for Beginners Podcast! Today, Dave and Andrew answer three great listener questions. But before we dive in, we wanted to remind you to send us your burning investing questions at newsletter@envestingforbeganners.com. In this episode, we address a question from Lisa, a beginner investor who is looking for advice on what to do with her existing $10,000 in her Roth IRA account. Dave and Andrew discuss the importance of understanding personal goals, risk tolerance, and time horizon when making investment decisions. They also highlight a helpful resource, Financialbirdsbees.com, which offers a free lump sum calculator to guide investors in finding the best investment approach. Tune in to gain insights on how to navigate investing strategies tailored to individual needs and preferences.

00:02:09 Financial calculator guides users on personal finance.

00:05:19 Decide time, research, and invest carefully.

00:06:25 Diverse investments: index funds and stocks.

00:12:23 Questrade: low fees, 90-day trial, live prices.

00:15:49 Seek advice from successful investor, analyze investments.

00:17:26 Open Questrade account, buy a stock, analyze. Write down thoughts and emotions daily.

00:20:39 Understanding Constellation Software takes real investigation, even losses. Initial success can blind you; my first pick, Microsoft, was lucky. Learning from failed investments broadens knowledge. Keep a journal to track insights.

00:23:43 Ask questions, write, share, learn, improve.

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Mastering Your Finances: Numbers, Budgeting, and Planning for a Stress-Free Holiday Season Oct 30, 2023

Welcome back to another episode of The Investing For Beginners Podcast! Today, we have a special episode focused on a topic that affects us all: budgeting. We're joined by our guests, Chris and Evan, as we dive into the importance of knowing your numbers and planning ahead for your financial well-being. In this episode, we'll discuss strategies for budgeting during the holiday season, the often-overlooked expenses that can sink your budget, and the dangers of relying on Black Friday deals.

We'll also tackle the topic of making major financial decisions and the significance of automating your savings and investments. Finally, we'll introduce a valuable resource, the Financial Birds and Bees product bundle, designed to provide financial guidance for young adults. So, grab your pen and paper, and let's get started on the path to financial success!

00:01:37 Know your numbers, plan, and enjoy holidays.

00:04:33 Underestimating miscellaneous spending can derail budgets.

00:08:19 Monitor spending to avoid excessive holiday expenses.

00:10:04 Financial stress makes holidays less enjoyable.

00:12:16 Track prices, avoid Black Friday, exploit opportunities.

00:15:49 Avoid making major financial decisions too quickly.

00:20:00 Automate saving and investing for financial growth.

00:24:34 Promotion ≠ New car. Math doesn't add up. Don't be fooled.

00:27:38 Use a retirement calculator to plan savings.

00:31:10 Financial Birds and Bees: Bundle Supporting Young Adults' Finance Journey

00:34:50 Appreciate you, educate, finance, help, crucial, applaud, react.

00:35:59 Wrap up show after guests discuss importance.

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Bird's Eye View of the Smart Phone Industry Oct 26, 2023

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, we're diving deep into the world of smartphones and exploring the investment opportunities that lie within. There's been a lot of talk about the impact of 5G technology and the role of cell phone towers, and we'll discuss how these factors are affecting the industry's financial results. We'll also explore the essentiality of cell phone towers for cell service and data processing.

But it's not just the towers that are capturing our attention. We'll explore the competitive advantage that Apple has with their ability to manufacture phones and semiconductors, and how this gives them a unique edge in the market. We'll also delve into other potential investment avenues within the smartphone industry beyond the big players like Apple, Samsung, and Google.

Join us as we discuss the investment potential of telecom companies like AT&T and T-Mobile, semiconductor giants like Micron and Qualcomm, and the exciting prospect of the 5G rollout. We'll share our thoughts on structuring a successful investment in the smartphone industry and the importance of diversification.

So grab your headphones and get ready for an insightful and informative episode on investing in the ever-evolving world of smartphones. Let's dive in!

00:01:55 85.8% of the population uses smartphones.

00:04:19 Micron, Qualcomm, Skyworks - crucial iPhone components.

00:07:57 5G towers face negativity, impact financial results.

00:12:43 Endless VR competition disrupts Apple vs. Samsung.

00:14:27 Apple and Samsung have different pricing strategies.

00:18:16 Value Spotlight subscription: it depends on timing.

00:20:19 Semiconductors at risk of obsolescence due to competition.

00:24:47 Transition away from core competency. Limited returns. 5G potential for faster connectivity.

00:27:11 Potential for Verizon and AT&T growth in streaming.

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IFB312: Achieving Optimal Investment Balance for Different Age Categories Oct 23, 2023

Welcome to episode 312 of the Investing for Beginners Podcast! Today, we have two thought-provoking questions to dive into. The first question comes from Nami, who asks about the best efficient portfolio breakdown management for different age categories. Dave and Andrew discuss the importance of considering your stage in the personal finance journey, rather than simply relying on age. They also explore how the traditional 60/40 rule (60% stocks, 40% bonds) may not be the best strategy for younger investors with a longer timeline for accumulation. However, as retirement approaches, a more conservative allocation may be beneficial to mitigate market downturns. Tune in as they break down these concepts and provide insights on structuring your investment portfolio effectively based on your personal financial goals.

00:00:30 "Align investment philosophy to personal finance journey."

00:05:01 Risk tolerance, portfolio allocation, time horizon, compounding.

00:09:12 Bonds to stocks, 60/40 strategy still effective.

00:12:37 Invest smartly for balanced growth and security.

00:13:43 $400,000 for 30 years is $13,000/year. Choose wisely for a better future.

00:18:37 Curiosity drives fascination in stock market industry.

00:21:49 Netflix's success, Reed Hastings, and stock market fun.

00:25:50 Index funds and stock picking both have advantages, but it depends on the index composition. Currently, top three SP companies are Apple, Microsoft, and Google, which is difficult to beat. But other stocks like Tesla and big oil companies have also had high influence on the S&P 500. The S&P and ETFs are becoming more concentrated. Over time, ETFs may only yield a small annual percentage increase.

00:26:49 Higher returns generate exponential wealth for portfolios.

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IFB311: Exploring Passive Income Opportunities and Our Top Financial Mistakes Oct 19, 2023

In this episode of the Investing for Beginners Podcast, Dave and Andrew dive into the topic of passive income. They discuss their thoughts on what truly constitutes passive income, debunking some common misconceptions. They also explore the idea of investing as a reliable source of passive income, highlighting the potential benefits of index funds and dividend reinvestment. Additionally, they caution listeners about the realities of real estate investing and the amount of effort it can require. Finally, they offer practical tips on how to accelerate passive income, including negotiating higher salaries, seeking new job opportunities, and investing in education and skills development. Tune in to this insightful episode to gain valuable insights on generating passive income and avoiding common money mistakes.

00:02:16 Book writing isn't passive; requires promotion & effort.

00:05:40 Rent it, no problems, no responsibilities.

00:09:06 Effort needed for different monetary gains explained.

00:10:18 "Goal-focused, sustain effort; energy and motivation."

00:15:16 Credit card trouble, side job, eventual repayment.

00:17:24 High credit card interest rates cost you.

00:21:12 Learning from mistakes and understanding financial products

00:24:56 Lack of financial knowledge and guidance. Frustrating.

00:27:22 Wrap up show, subscribe, review, browse, sign up

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Financial Birds and Bees

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IFB310: Decoding the Numbers: How to Analyze Moats and Competitive Advantages in Business Oct 16, 2023

Coming up on today's episode of The Investing For Beginners Podcast, Dave and Andrew delve into the concept of moats and how they relate to investing. They discuss the importance of understanding the stock market and its history, as well as the role of emotional intelligence in making informed investment decisions. They also explore the idea of studying historical market events and how they can provide valuable insights. Stay tuned as they analyze companies like John Deere and Apple to understand their competitive advantages and moats. Get ready to gain a deeper understanding of the investing world on this episode of The Investing For Beginners Podcast.

00:02:38 Understanding stock market history and growth.

00:06:06 Understanding the value of long-term investments.

00:07:05 Perspective matters: emotions, history influence investments.

00:11:17 Trade Republic highly recommended for buying stocks.

00:16:02 Moats and metrics impact business strategies.

00:18:12 Apple's strong moat drives high phone prices.

00:21:49 Great summary of book's competitive advantages/moats.

00:26:26 Network effect and switching costs drive loyalty.

00:28:35 Researched, consulted, and wrote about John Deere.

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IFB309 - Listener Q&A: How to Make the Most of Your $100 Investment Oct 12, 2023

In this episode of the Investing for Beginners Podcast, Dave and Andrew tackle a listener question about investing with platforms like Robinhood and how much money is needed to generate good returns with less than $100. They discuss the importance of a long-term investing strategy and consistently investing over time, rather than expecting instant wealth. They also share insights on the risks of speculation and the importance of building investing habits. Tune in to learn more about sustainable investing and how to make the most out of your investment journey, regardless of your initial budget.

00:02:57 Begin investing in Tesla gradually, no need to buy one whole share. Start with a quarter, and steadily increase. Even small monthly investments can add up over time.

00:05:39 Buy what you use for investing success.

00:08:41 Less focus on individual players in fantasy baseball.

00:13:05 Relevance of product in business analysis important.

00:15:39 Understand investing as long-term business ownership.

00:18:10 Unpredictable market fluctuations caused by various factors.

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Getting Started with Your 401K: Overcoming Obstacles and Finding Reliable Resources with Laura Adams Oct 09, 2023

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, we have a special guest joining us, Laura Adams from the Money Girl Podcast. Laura shares her experiences and insights into navigating the world of personal finance and investing. We'll dive into the challenges individuals face when it comes to tax-advantaged accounts, the importance of seeking financial advice, and the power of automation in saving for retirement. Laura's journey, from studying science to pursuing entrepreneurship and real estate, offers a unique perspective that will resonate with our listeners. So, whether you're just starting out or looking to refine your financial strategy, this episode is packed with valuable tips and stories that will help you on your financial journey. Let's jump right in!

00:01:57 Science undergraduate, entrepreneurial, real estate, MBA, personal finance

00:06:29 Limited help, 401K advice scarce from Wells Fargo.

00:09:29 Tax advantages make investing in Roth worthwhile.

00:13:23 Self-employed? Consider retirement accounts for savings.

00:17:12 Passive approach to stocks, use advisor.

00:18:55 Different types of investors in 401k.

00:24:32 Start planning for retirement five years before.

00:28:10 Savings rates have shifted; CD accounts attractive.

00:29:03 Investing wisely is crucial for financial success.

00:34:12 Consider talking to your boss for options. Automate payroll into your IRA for savings.

00:37:15 Appreciate Laura's work in teaching money.

FInd out more about Laura here:

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IFB308: Listener Q&A - Learning from Mistakes: Understanding Capital Allocation and Due Diligence in Investments Oct 05, 2023

Welcome to another episode of The Investing For Beginners Podcast! In today's episode, Dave and Andrew dive into a plethora of investment topics and provide valuable insights for listeners. They discuss Warren Buffett's management strategies, the importance of evaluating company performance, the role of soft skills and company culture, and much more. Join them as they delve into the world of investing and share their expertise on making sound investment decisions. Stay tuned for an enlightening and informative episode of The Investing For Beginners Podcast!

00:00:31 Equal percentage position sizing for diversified portfolio.

00:04:01 Adjusting & comfortable with Warren managing money. Recommended allocation starting at 5%. Don't focus on position sizing fluctuations.

00:09:00 Staggered reaction to market events, hedging explained.

00:10:09 Consistency in pension fund payments, long-term outlook. Expensive hedging alternative.

00:15:53 Analyze ROIC numbers over different time frames and CEOs.

00:19:52 Observing how management treats others is key.

00:22:29 Questioning sudden shift in importance and metric changes.

00:25:07 Allocation, mistakes, integration, diligence - important for success.

00:31:00 Use control F to search financial statements.

00:31:41 Wrap up conversation, subscribe, review, browse, grow, sign off.

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Building Knowledge, One Company at a Time: Tips for Studying and Analyzing Businesses with Chit Chat Money Oct 02, 2023

In this episode of The Investing For Beginners Podcast, Dave and Andrew are joined by Ryan and Brett from Chit Chat Money. They dive into their journey of learning about finance and investing, the importance of valuation, the benefits of becoming a shareholder, and the value of focusing on specific industries. They also discuss their recent podcast themes, the impact of biases on investing decisions, and the shift towards finding businesses with durable growth and profitability. Tune in to gain valuable insights and tips for your investment journey.

00:00:39 Ryan's funny investment journey with inheritance money.

00:03:24 Learning finance basics, evolving strategy over time.

00:08:13 Investors can overpay for businesses; rarity matters.

00:12:38 We consider diversification in industry and factors.

00:15:41 Visa is safer, smaller position for portfolio.

00:18:45 Don't buy too many stocks when starting.

00:19:35 Get involved as a shareholder for learning.

00:24:04 Position sizing: started at 6%, flexible range.

00:25:59 Biweekly ranking helps identify biases in decisions.

00:31:34 Podcast helps avoid bias by diversifying research.

00:35:31 Do thorough research on watch-list companies.

00:38:30 Monthly themed episodes explore repurchases and fallen angels, highlighting honesty in business.

00:39:39 Focus on specific sectors, like Fintech or airlines.

00:43:36 Join us for fun, knowledge, and follow

Chit Chat Money Podcast

Ryan Henderson Twitter

Brett Schaefer Twitter

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IFB307: Buy When There Is Blood In The Street Sep 28, 2023

Welcome to episode 307 of "The Investing For Beginners Podcast"! In today's episode, Andrew and Dave will be diving into the topic of buying when there is blood in the street. With recent extreme volatility in the market, we thought it would be the perfect opportunity to discuss how this can present an opportunity to buy or sell particular companies. We'll be sharing our thought process on this matter and how you can leverage it in your own investing.

To kick things off, we'll take a look back at a past event, specifically the banking industry crisis, and examine what lessons can be learned from it. We'll also explore our personal reasons for not taking advantage of the situation and the role influential investors like Warren Buffett play in shaping investor sentiment. So get ready to gain valuable insights into navigating volatile markets and seizing the right investment opportunities. Let's dive in!

00:01:44 Missed opportunity due to fear and lack of analysis during market turbulence.

00:03:13 Banks recovered, missed opportunity, uncertain future.

00:06:52 Research, understand, and make choices independently.

00:10:14 Buffett's investment in banks and differing opinions.

00:13:34 Stock plunged, but still believe in investment.

00:19:39 Understanding business and industry downturns is key. Examples: Nokia's mistake with Apple, uncertain of Intel's recovery.

00:24:15 Volatility is normal. Understand your investments.

00:26:19 Read a 10K, subscribe, review, invest safely.

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Buy Side Work in M&A: The Hunt for the Perfect Acquisition and Navigating Negotiation Challenges with Bill Snow Sep 25, 2023

Welcome to another episode of The Investing For Beginners Podcast! In today's episode, we dive into the fascinating world of mergers and acquisitions (M&A) and explore the intricacies of buying and selling businesses. We discuss the impact of the pandemic on the economy, the importance of timing in the market, and the role of microeconomic factors in M&A deals. Bill Snow shares valuable insights on the chemistry between buyers and sellers, the art of negotiation, as well as the complexities of valuation. Join us as we uncover the strategies, challenges, and opportunities in the world of M&A. So grab your headphones, get ready to learn, and let's dive right into the episode!

00:02:56 Business deals depend on the parties involved.

00:04:50 Buyers in middle market acquire smaller companies.

00:07:46 Low-interest rates were destructive for fixed-income retirees.

00:14:01 Negotiation is essential, not about bluffing. Stop reading business books. Play poker to learn. Understand others' strong hands. Compromise for a mutually beneficial deal.

00:19:31 Chemistry and clarity are essential in deals.

00:22:21 Buy side difficult: search, negotiate, finance. PE calls lacking good companies, owner expectations. Supply-side M&A, demand, inflation from excess capital.

00:25:53 Pandemic impact exaggerated, market timing impossible. M&A depends on company strength.

00:30:01 PE firms compete in bidding for companies. Only one will be selected. Factors like bid amount, structure, and simplicity affect selection. Investment bankers use tools like Capital IQ to create buyer's lists. Keeping contact info and criteria updated increases chances of being included. PE firms should stay engaged and ready for opportunities.

00:32:20 Buyers want perfect companies, but don't exist. PE firms track many deals for appearance.

00:36:07 Sometimes there are frustrating moments in the buisiness process. Creating a buyer's list and sending a blind teaser to approved buyers is part of the process. If the buyers are interested, they sign a confidentiality agreement and receive the full book. Initial offers are made based on the information in the book. Meetings are held with potential buyers and a letter of intent is requested. Due diligence is conducted, followed by the purchase agreement and closing of the transaction. Some buyers may not respond or provide a reason for passing on the opportunity. Serious buyers are characterized by their preparation and detailed questions in meetings.

00:41:32 Finding buyers is easy; getting a good deal is hard.

00:44:07 Deep dive into buying a company, valuation details.

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Bird's Eye View of Analyzing a Company for the First Time with Topgolf Sep 21, 2023

On today's episode of The Investing For Beginners Podcast, Dave and Andrew dive into the fascinating world of acquisitions in finance. They discuss the risks associated with acquisitions, using Topgolf as a prime example. The hosts explore Topgolf's increased enterprise value through debt and the potential impact this could have on cash flow and interest coverage.

They compare Topgolf's acquisition strategy to that of successful companies like Google and Microsoft, highlighting the importance of generating sufficient cash flow to avoid heavy debt. The hosts also discuss the need to gather information about TaylorMade, a company they are interested in, and share valuable insights into conducting financial analysis. Stay tuned as Dave and Andrew share their expert perspectives on acquisitions, risk management, and the importance of comprehensive research in the investing world.

00:01:39 "Fun, busy hangout spot with games and drinks."

00:04:12 Stratosphere Software: 97% revenue growth, dividend cut.

00:07:42 Looking at company overview metrics, potential concerns.

00:11:10 Topgolf acquisition and debt increase, potential risks.

00:13:11 Topgolf 2019 acquisition strategy, apparel focus

00:17:38 Research TaylorMade's public/private status and industry position.

00:21:06 Understanding company risks, financials, and management incentives.

00:26:21 Time spent analyzing a company is valuable.

00:28:24 Wrap up show, subscribe, review, invest safely.

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IFB306: The Bond Market Demystified: Understanding Risk, Return, and Allocation Sep 18, 2023

Welcome back to another episode of The Investing For Beginners Podcast! In today's episode, Andrew abd Dave to dive into the fascinating world of bonds. With interest rates proving to be volatile in the past year, they discuss how different types of bonds can be used strategically to offset this volatility.

They cover the importance of diversifying with various bond funds, the risk and return profiles of different bonds, and the practical ways investors can invest in bonds, such as bond ETFs or through 401Ks and target date funds.

They also address common misconceptions about bond prices and the contrasting nature of bonds and stocks as investment options. Whether you're a seasoned investor or just starting out, buckle up for an informative and engaging discussion on bonds, their role in a portfolio, and how to navigate the ever-changing bond market. Stay tuned!

00:01:45 Investing in bonds is like lending money.

00:04:47 Rotating portfolio from stocks to bonds before retirement.

00:09:13 Bonds offer varying risk and returns; diversification helps.

00:13:23 High-rated bonds offer safe but low returns. Tesla's rating fluctuated from junk to high-yield. Bond ratings indicate a company's financial strength. However, buying individual bonds requires substantial funds. Consider bond ETFs for smaller investments.

00:16:19 Bond ETFs have price fluctuations, confusing but normal.

00:23:50 Large bond funds like Vanguard and BlackRock have options for individuals who want exposure to bonds. One option is the core US aggregate bond ETF offered by ishares, which includes over 11,000 US dollar-denominated bonds with varying maturities. This can provide a diverse range of bond exposure without the need to constantly monitor the fund. It may be beneficial for investors closer to retirement to consider investing in bonds to offset potential market volatility. However, for younger investors with more time to recover from market hiccups, it may be less necessary. The book "Bonds for Dummies" and the website "einvestingforbeginners.com" offer further resources on understanding and investing in bonds.

00:28:48 Bonds are attractive, seek professional advice.

00:30:43 Age determines investment strategy; consult professional advisor.

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IFB305: Evaluating Investments Beyond Stock Prices: A Deep Dive into Business Performance Sep 14, 2023

Welcome to episode 305 of The Investing For Beginners Podcast! In today's episode, we dive into the importance of documenting investment decisions, understanding industry cycles, and using key performance indicators to assess company performance. Dave and Andrew share insights from their own experiences with investing, including lessons learned from stocks like Intel and Target. So grab your notepad and get ready to learn valuable strategies for successful investing. Let's jump right in!

00:00:48 Focus on the business, not investment performance.

00:05:40 Target's declining sales raise concerns about future.

00:08:06 Documentation essential to monitor individual company performance.

00:12:01 Shipping industry profits highly cyclical, fluctuating dramatically.

00:16:55 Look at historical data to assess risk.

00:22:21 Not understanding business led to wrong investment decisions.

00:25:24 Taiwan Semiconductor excels, Intel falls behind.

00:28:32 Learn from experts and be curious about investments.

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India's Economic Secret Weapon: Unveiling the Power of the India Stack with Kevin Carter Sep 11, 2023

Welcome back to another exciting episode of The Investing For Beginners Podcast! In today's episode, we have a very special guest joining us. We are thrilled to have Kevin Carter, the founder and CIO of EMQQ Global, sharing his insights and expertise with our listeners.

Kevin is here to discuss INQQ, an India-focused ETF offered by EMQQ Global. We'll explore the potential power and impact of India's unique digital public infrastructure, known as the India stack, and how it is transforming the economic landscape.

As we dive deep into India's emerging market, we'll discover why it is becoming increasingly attractive to investors. With a booming middle class, a thriving e-commerce sector, and a government supportive of technology, India has all the right ingredients for exponential growth.

Join us as Kevin sheds light on the immense opportunities and challenges of investing in India, the role of emerging market internet companies, and the potential for India to catch up to China in terms of physical infrastructure. We'll also explore the investing landscape in India, the valuation metrics to consider, and the companies that are driving growth in this exciting market.

So, grab your notepads and get ready to gain valuable insights from our conversation with Kevin Carter of EMQQ Global. Don't forget to check out their website and remember, always invest with a "margin of safety". Let's dive in!

00:00:44 India is the perfect emerging market. It has the largest population, better demographics, and a fast-growing economy. It also has a unique digital public infrastructure, which is its secret economic weapon.

00:04:26 India's digital and physical infrastructure summary:

India's infrastructure investments have led to significant advancements in both physical and digital infrastructure. Under Prime Minister Modi's leadership, massive investments have been made in roads, airports, ports, and the power grid, resulting in substantial progress. The country's digital infrastructure, known as the India stack, includes a national identity card system, a know-your-customer layer, and the Unified Payments Interface (UPI), allowing for seamless and cost-free money transfers. India's talent pool, particularly in the technology sector, is unparalleled, making it an attractive destination for outsourcing and investment.

00:20:38 Platform integrating sellers, buyers, and logistics with high growth potential in India market.

00:24:31 Emerging markets lack developed consumption infrastructure. Instead of traditional banking, they use mobile phone-based payments. Companies like Alibaba and Mercado Libre serve as both e-commerce platforms and financial service providers. Ride-hailing apps like Gojek also offer payment services. This trend is gaining traction in India.

00:28:19 Bajaj Finance: profitable Indian smartphone-based lender. India's emerging market and technological advances.

00:31:42 Foreign stock investment in India presents challenges due to regulatory and bureaucratic reasons. Most Indian internet companies go public in India, while Chinese and Latin American companies list on US exchanges for better liquidity. Indian companies face regulatory hurdles and have not sought capital in New York. India's growth potential and digitization make it an attractive investment if one believes in the story. Comparisons to China highlight the importance of choosing the right ETF for exposure to Indian market growth. Valuations in India are currently high, and the Peg ratio is a crucial valuation metric to consider.

00:44:35 Kevin shares interesting information with investors. Invest safely.

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IFB304: Navigating the September Effect and Other Noise in Stocks Sep 07, 2023

Welcome to episode 304 of the Investing for Beginners Podcast! In today's episode, Andrew and I will be discussing the September effect and other seemingly useless information that you might come across in the stock market. We'll dive into what the September effect is, whether you should sell or buy stocks during that month, and why it's important to ignore short-term noise when it comes to investing. We'll also explore the concept of the Santa Claus rally and discuss the mindset shift that investors need to make in order to focus on long-term success rather than weekly returns. So join us as we debunk these market myths and provide insights on how to compound your wealth effectively. Let's get started!

00:02:13 Don't interrupt compounding by timing investments.

00:04:11 Santa Claus rally not important, noise mostly.

00:08:21 Media sensationalizes news, creating "nothing burger" situations.

00:12:47 Politics is personal, elections noisy, avoid sensationalism.

00:16:54 Fed's impact on economy takes time to show.

00:22:21 Buffett and Ackman on opposite sides: be cautious.

00:24:10 Celebrity investors shouldn't determine your investment choices.

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IFB303: How to Spread $10,000 in the Stock Market Sep 04, 2023

Welcome back to the Investing for Beginners Podcast! In today's episode, "303," we delve into four intriguing listener questions shared with us via Spotify. One of our listeners, Jason, has $10,000 to invest in the stock market and seeks advice on which stock to buy and how to spread it out. We tackle this question head-on in a discussion between Andrew and Dave, emphasizing the importance of learning to fish instead of relying on others for stock recommendations. They suggest starting with our show as a great educational resource, but also provide practical tips on how to spread out investments and mitigate risk. They advise diversifying holdings while remaining mindful of potential returns. Dave recommends investing a portion in an S&P 500 ETF or index fund to dip one's toes into the market. Additionally, he suggests choosing a couple of companies to invest in, preferably familiar ones, to gain insight into individual stock ownership. The goal is to learn and adapt while understanding the dynamic nature of the market. Both hosts stress the value of education and self-discovery in the investment journey. Join us as we explore this listener question and delve into the world of investing with a prudent mindset. Stay tuned!

00:02:01 Invest in index funds, then diversify with individual stocks to learn about the stock market and minimize risk.

00:09:02 Followed the White Rabbit, learned, then invested.

00:12:59 ADRs allow you to own stock abroad.

00:15:28 Tax implications of investing in foreign stocks.

00:20:09 Start with home bias, then branch out.

00:22:31 Big ADRs provide valuable information for investors.

00:25:19 Basic learning is essential for successful investing.

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IFB301: Capital Allocation: The Number One Job for CEOs and Its Impact on Investing Performance Aug 31, 2023

Welcome to the Investing for Beginners podcast! Today we have another round of great listener questions! As always like we like to say, we love receiving these kind of questions as it challenges us to think more and refreshes the investing knowledge we know. In this round, we will be discussing an array of topics encompassing calculating financial ratios yourself, an investing book list, lump sum vs DCA and more so listen on!

Timestamps of the episode:

-Are financial websites reliable? or should you calculate the ratios yourself? [01:44]

-Books to follow up on reading after The Intelligent Investor of Benjamin Graham. [07:30]

-Lump sum vs dollar cost averaging: which one is the best especially on index funds and individual stocks. [23:48]

-What is WACC/hurdle rate and why it matters in calculating your personal returns. [30:57]

-Why hurdle rates are sensitive to the current prevailing interest rates. [38:28]

-Operating leases and why it should be considered as debt of a business. [43:28]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Books mentioned in the episode:

Investment Gurus: A Road Map to Wealth from the World's Best Money Managers (New York Institute of Finance) by Peter Tanous

Psychology of Money by Morgan Housel

Market Masters: Interviews with Canada’s Top Investors ― Proven Investing Strategies You Can Apply by Robin Speziale

Richer, Wiser, and Happier by William Green

The Little Book of Sideways Markets: How to Make Money in Markets that Go Nowhere by Vitaly N. Katsenelson

The Dhando Investor by Monish Pabrai

More than you know by Michael Maubossin

The Little book of Valuation by Aswath Damodaran

Security Analysis by Benjamin Graham

Expectations Investing by Michael Maubossin

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Talking Getting Started in Real Estate with the Real Estate Rookie Podcast Aug 28, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will be having not only one guest but two! Ashley Kehr and Tony Robinson of the Real Estate Rookie podcast will be joining us to discuss everything about investing in real estate. They will share with us how one can start even with minimal capital, the inherent risks in real estate and choosing the right partner in building your real estate wealth. Listen on as we ask every beginner questions in the industry itself and how it will surely give you insights as well.

Timestamps of the episode:

-Why would one consider investing in the real estate industry instead of the stock market? [02:05]

-How to start investing with real estate and the pieces to prepare first before heading in. [08:00]

-Different reasons how real estate can serve your investment goals. [11:49]

-Risks and rates of return involving investing in real estate. [13:55]

-Why the type of risk you will take depends on the skill set you have. [17:48]

-Ways to deal with the inherent risks in the real estate industry and how those risks can immediately set you back. [20:16]

-Real estate investing can also be done at the comfort of your home regardless of where the property is located. [23:55]

-Ashley and Tony shares how real estate investing gave them the freedom to do things they love essentially giving them more time to pursue their passions. [27:50]

-They talk about their recent joint book project where it discusses how real estate partnerships work as the saying goes "if you want to go fast go alone, if you wanna go far go together." [30:37]

-Things you can do to mitigate the risks of being in a business partnership. [32:37]

-Finding the right partners in business is the most important thing you can do especially in real estate. Ashley and Tony shares insightful tips. [36:50]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Their podcast- https://open.spotify.com/show/7GAvDfVZWXglwZPxayvqh7?si=e9327d3067744ed4

Their upcoming book in preselling- https://store.biggerpockets.com/products/real-estate-partnerships?_pos=1&_sid=1dd453d22&_ss=r

Link to their Biggerpockets website- https://www.biggerpockets.com/podcasts/real-estate-rookie

Today's show is sponsored by:

Get 55% off your Babbel subscription at Babbel.com/BEGINNERS.

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Sign up today at butcherbox.com/BEGINNERS and use code BEGINNERS to get two 100% grass-fed filet mignons and two wild-caught lobster tails for FREE in your first box plus $20 off your first order.

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Simon Erickson of 7Investing Joins Us to Discuss Innovation and Growth Stock Opportunities Aug 24, 2023

Welcome to the Investing for Beginners podcast! Today's episode, we will be joined by a special guest! Simon Erickson, host of 7investing podcast, will be joining us today to talk about his investing principles, portfolio allocation, the different industries he's interested in and much more! Listen on as we have a fun conversation on topics that not only will be insightful for beginners but also veterans out there. Let's go!

Timestamps of the episode:

-Simon shares his investing story and why he uses the number "7" in his company 7investing. [02:28]

-Why investing is such a personal endeavor and how Simon molded his own. [05:05]

-He talks about his favorite part of the semiconductor value chain and how it is more relevant today then ever. [08:00]

-How to think about balancing your portfolio if it is exposed in a cyclical industry. [11:14]

-The "hype" cycle is the enemy of a long term investor and how to avoid it. [13:25]

-Understanding deeper into the weeds of AI and Nvidia chips. [16:34]

-Switching gears into the defense industry and why it is relevant in recent times. [18:55]

-Signs that a management is a good capital allocator. [20:45]

-How to differentiate between a company that has done well in the past and will continue to do so over a company that shows promise at first but will ultimately flame out. [23:14]

-The importance of understanding which business life cycle a company is in. [25:17]

-A business that continues to protect its moat will surely thrive. [27:45]

-Simons shares the story behind the 7investing service and how it empowers retail investors. [29:42]

-Why fees shouldn’t be overlooked when you can do it yourself. [31:48]

-Discussing the barbell portfolio and how you should allocate each holdings in it. [32:45]

-The biggest advantage of an individual retail investors against institutional firms. [36:20]

-How to approach and analyze companies of different market caps. [37:00]

-Simon talks about the space economy and how it will be a driving force of the world economy in the coming decades. [39:23]

-The beauty of the world of investing where your curiosity is rewarded financially. [43:27]

-Simon tells his best dad joke. [47: 29]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Simon's website- https://7investing.com

His podcast- https://open.spotify.com/show/7wBWhst8U3CqSeQ8fRGCLO?si=58b4a51ae67947ec

His Youtube channel- https://www.youtube.com/channel/UCAI0YGmr9W96nZI1q3vSJHg

Today's show is sponsored by Rocket Money:

Cancel your unwanted subscriptions and manage your money the easy way by going to rocketmoney.com/beginners

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Value Spotlight: The New Updated Sather Research eLetter Aug 21, 2023

Welcome to the Investing for Beginners podcast! Today is a special episode and an announcement at the same time! Andrew will share with us the exciting changes with his stock research e-letter service and also the insightful lessons he learned after doing this for almost ten years- time surely flies. This is a pivotal moment for us in the podcast as we are excited to bring more value to our listeners moving forward so listen on to learn more!

Timestamps of the episode:

-Andrew talks about his new revamped Sather research e-letter service, how it evolved and why it will serve its subscribers better in a new platform. Plus, new features! [01:48]

-What prompted the change and rebrand of his stock picking service. [03:53]

-Andrew shares how his investing evolved after doing the e-letter service for almost ten years. [05:56]

-Investing lessons and mistakes Andrew learned throughout the years. [08:09]

-Dollar cost averaging strategy lessons: The good and the bad. [15:20]

-The power of being open-minded and not stubborn to change is a valuable trait every investor should have. [17:35]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Value Spotlight website- https://valuespotlight.com

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Today's show is sponsored by Rocket Money:

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Paul From @Investmentideen Joins Us to Discuss the Power of Capital Allocation Aug 17, 2023

Welcome to the Investing for Beginners podcast! Today we have a special guest! Joining us today will be Paul, a good friend we met in Twitter (or X now) where he will talk with us a diverse range of topics spanning from his experience working under Constellation software before into good capital allocation, value traps and more. Listen on as he discusses great insights into valuations especially on micro caps and also the key in finding quality businesses. This is such a great episode with so many gems that it's a pity we only have an hour (almost) of an episode!

Timestamps of the episode:

-Paul shares his investing journey and gives credit on having people showing you the way. [02:10]

-He talks about the first stock he bought and how it started paving the way on doing great due diligence. [04:20]

-The importance of finding your own style in investing even though we all stand on the principles of investing giants. [07:00]

-Overpaying is the most common problem among investors and drags returns overall. [09:28]

-Paul shares his approach on what to do if he is gonna start investing all over again today, the rules to follow and sifting through noise of readily available information. [12:20]

-He breaks down what an earnings yield is and how it drives business return overall. [16:20]

-Differentiating between cheap stocks that deserves to be cheap and the ones that has sustainable earnings but the market values it cheaply. [19:35]

-What are value traps and why year over year fast revenue growth of value traps should not excite you. [21:55]

-Management's quality in realizing shareholder value is important for every thesis/valuation to play out.[26:00]

-Why looking acutely on the cash position of a company's balance sheet is relevant in gauging a management's skill in capital allocation. [30:50]

-Paul shares his experience working under Constellation software before and why most small software companies are not run capital efficiently. [35:29]

-What valuation ultimately means to Paul and how he approaches it. [38:00]

-The key to finding quality businesses is by making the process simple. [42:35]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Paul's Twitter (X) handle- https://twitter.com/Investmentideen

His substack- https://investmentideas.substack.com

Books and resources mentioned in the episode:

Seth Klarman's book- Margin of Safety: Risk-Averse Value Investing Strategies for the Thoughtful Investor

Joel Greenblatt- You Can Be a Stock Market Genius: Uncover the Secret Hiding Places of Stock Market Profits

Geoff Gannon compilations download link- https://bit.ly/3QyzIpF

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Bird’s Eye View of Learning a New Industry Aug 14, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will do a bird's eye view in how to approach in studying an industry that is not in your circle of competence as investors will say. We will take you in on how we approach it ourselves step by step and discuss the nuances of each so listen on!

Timestamps of the episode:

-Great frameworks to use in starting to study a new industry. A way to extend your circle of competence. [01:50]

-Starting with the sales trend of companies in an industry paints a financial picture to where an industry is headed. [05:20]

-Identifying the key players in each industry is helpful and important in gauging if an industry is investable or not. [10:50]

-How to approach studying a technical industry like the semi-conductors. [14:25]

-Tracing the value chain of an industry helps you find under the radar businesses that are profitable.[18:50]

-Continuous learning and keeping up to date in the industry you're invested in should not be hard and can be boiled down to few metrics. [23:38]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB300: Listener Q&A – Finding Tax Documents & Our Favorite Financial Websites Aug 10, 2023

Welcome to the Investing for Beginners podcast! Today's episode, we have another great round of listener questions coming from Spotify! Questions in this episode encompasses a wide range of topics-from taxes to financial growth metrics- all are covered and discussed in a simple way Dave and Andrew are known for so listen on!

Timestamps of the episode:

-How to file your taxes in investing. It's easier than it sounds. [01:50]

-Reliable sources of financial metrics and how to use them as each one has its own use cases. [03:23]

-Don't overthink it and just dive in. Start investing as early as possible. [10:00]

-What to do after your first investing failure. Spoiler: It will open a whole pandoras box of questions in becoming a better investor. [14:30]

-Talking about different ETF's on index funds and why its a good starting point for beginner investors.[19:00]

-Metrics to consider in measuring a businesses' growth. [21:45]

-How different growth rates depend on which life cycle a business is. [25:37]

-Why return on equity (ROE) is a good growth metric to use in increasing shareholder returns. [28:10]

-Always remember there is no one metric that fits all. Dave discusses the pitfalls of ROE. [34:44]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Sources mentioned in the episode:

Stratosphere- http://www.stratosphere.io

Quick fs- https://quickfs.net

Seekingalpha- https://seekingalpha.com

Finviz- https://finviz.com

BamSEC- https://www.bamsec.com

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Today's show is sponsored by: Factor

Head to factormeals.com/investing50 and use code investing50 to get 50% off.

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IFB299: Red Flags in a Company’s Financials Aug 07, 2023

Welcome to the Investing for Beginners podcast! In today's episode we will be talking all about red flags of a businesses' financials and why we should look out for it. Red flags can either be really obvious or hidden deeper in the numbers and in this episode we will take a deep dive on each of them. Listen on as we discuss the questions you should ask yourself in encountering these red flags.

Timestamps of the episode:

-From profitable to non-profitable, a common overlooked red flag on businesses. [01:45]

-Increasing debt to equity ratio, another rising red flag that has been proven to be detrimental in the future of a business [04:00]

-Red flags are not necessarily deal breakers (mostly it is) but should make you ask yourself questions as to why it can be long term or not. [10:58]

-Why sometimes a increasing goodwill of an asset acquired can be a red flag. [14:24]

-Impairment losses are red flags and punishment for companies paying too much. It says a lot on the management's skill of doing acquisitions. [19:30]

-Serial acquirers can either be great or bad as M&A's should be value accretive. Goodwill is the one to look out for on these companies. [28:30]

-Decreasing return on invested capital (ROIC) and gross margins are another red flag of a business. [30:05]

-A plethora of red flags is not a sign to short a company. [36:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Today's show is sponsored by Factor:

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IFB298: Causation Is Not Correlation Aug 03, 2023

Welcome to the Investing for Beginners podcast! Today's episode will all be about beta, causation and correlation in the stock market! It's quite a technical topic as it is hard show numbers through the podcast but we will do our best as always to piece it together as simple as possible. Listen on as we take a deep dive into volatility, what drives a stock price and more!

Timestamps of the episode:

-What is Beta and how is it being used in the stock market? [01:53]

-Volatility and risk are not the same and will never be. [05:55]

-Using Beta as part of your hurdle rate. [13:16]

-The seemingly random relationship between causation and correlation in the stock market. [15:50]

-How index funds and sector ETF's affect a particular stock price. [19:56]

-What really moves a stock price up and down? [21:26]

-The stock market in the short term is a voting machine, and in the long term it is a weighing machine, a timeless Graham quote. [24:20]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Rocket Money:

Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/BEGINNERS.

Babbel:

Get 55% off your Babbel subscription at Babbel.com/BEGINNERS.

Shopify:

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IFB298-Causation-is-not-CorrelationDownload

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IFB297: Listener Q&A - Is It Ever Too Late to Start Investing? Jul 31, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we have a bunch of great listener questions and this time its from Spotify! A great feature to connect listeners and hosts so keep the questions coming! The episode today will revolve around a few important topics namely the timing of your investments, time horizon, portfolio allocation and more so listen on!

Timestamps of the episode:

-Is it too late to invest in your Roth IRA? [02:10]

-Your investment time horizon dictates your portfolio mix. [05:40]

-Being scared in investing vs investing the money you can't afford to lose. [08:38]

-Is there even a safe way to invest? [12:51]

-There is no magic number in portfolio allocation. It is whatever that makes you sleep well at night. [15:17]

-It's always the consistent habit of putting money to work that compounds wealth. [20:13]

-Taking profits out of your ROTH IRA's, is it sensible to do it now? [20:42]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Rocket Money:

Stop throwing your money away. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to RocketMoney.com/BEGINNERS.

Babbel:

Get 55% off your Babbel subscription at Babbel.com/BEGINNERS.

Shopify:

Sign up for a one-dollar-per-month trial period at SHOPIFY DOT COM SLASH “beginners”, ALL

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IFB297-Listener-QADownload

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IFB296: Listener Q&A – Dollar Cost Averaging/Portfolio Management Jul 27, 2023

Welcome to the Investing for Beginners podcast! We have another great listener episode! As always, we love hearing from you guys and ask us questions. Today's listener episode will be about dollar cost averaging, sizing your bets and everything you need to know about 401k investing! Listen on as Andrew and Dave give their insights especially on the right ways to correctly size your bets and why you should or not trim your winners.

Timestamps of the episode:

-How to use dollar cost averaging (DCA) in spreading your bets on the best opportunities. [02:14]

-Don't give in to the itch of trying to find the next best idea as sometimes you can find it really close by. [07:55]

-Where to find more info on the funds offered in your 401K and how to approach them. [09:10]

-Universal rules in 401K investing and why every beginner should know about this. [11:56]

-How to correctly size your bets in your investment portfolio. [15:15]

-Should you let your winners run? or trim until your stomach can manage? A good problem to have.[21:10]

-A pitch on Andrew and Dave's amazing newsletters. [27:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB295: Validity of Scuttlebutt + Quantitative Analysis Jul 24, 2023

Welcome to the Investing for Beginners podcast! Today's episode, we will explore and think outside the box and do scuttlebutt investing! As Peter Lynch's timeless quote says, "Know what you own" scuttlebutt investing is more or less the same- you get on the ground and research the company personally. Listen on as we discuss this boots on the ground style of investing and how it can help one greatly in gaining a deeper understanding of a business plus its pitfalls also!

Timestamps of the episode:

-What is "scuttlebutt" investing and why qualitative analysis must be about thinking outside the box. [02:26]

-Always be observant of businesses around your "orbit" [05:20]

-How taking scuttlebutt investing too far can be myopic to your investing. Living in your own bubble. [10:27]

-Ways to extend your scuttlebutt bubble and reduce tunnel vision. [12:50]

-Nothing beats doing research of a company through its employees. [19:25]

-Why Glassdoor is such an important tool doing management/culture scuttlebutt. [22:27]

-Another great tool for scuttlebutting: Tegus, a professional service doing management interviews [24:05]

-Insider trading can be an unintended pitfall of doing scuttlebutt investing. [25:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Glassdoor website- https://www.glassdoor.com

Tegus- https://www.tegus.com

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John Rotonti Shares a Master Class on Research and Valuation Jul 20, 2023

Welcome to the Investing For Beginners Podcast! In this episode, we have a special guest, John Rotonti, who shares valuable insights on the importance of Return on Invested Capital (ROIC) in determining the intrinsic value and growth potential of a company.

John explains that if the ROIC is higher than the cost of capital, it leads to growth and increases intrinsic value. If it is equal, growth is neutral, and if it is lower, growth destroys value. He also breaks down the formula for calculating the economic spread or excess return spread, which is ROIC minus the cost of capital.

Throughout the episode, John emphasizes the significance of a high ROIC and a higher economic spread for companies. He highlights how revenue growth, especially organic growth, plays a crucial role in driving intrinsic value growth for companies with a high ROIC higher than the cost of capital.

00:04:49 Thorough research and analysis process for investing.

00:10:08 Watch list, market sell-off, network, investor letters.

00:16:57 Checklist for investing in businesses with tweaks.

00:23:26 Free cash flow yield is the best predictor of future returns, according to multiple studies. To calculate normalized free cash flow, consider factors like cash inflows from selling off businesses. Another method is total shareholder return (TSR), which includes dividend yield and earnings per share growth. Models like discounted cash flow (DCF) and reverse DCF can help estimate fair values. Additionally, analyzing acquisition multiples in the industry can provide insights.

00:35:26 DCF is a discounted cash flow model used to estimate future cash flows. It involves forecasting cash flows over a period of 5-10 years and then projecting them into perpetuity. The value of an asset is determined by the present value of future cash flows, which is calculated through discounting. Three key factors to consider are the size, timing, and riskiness of the cash flows. Building a DCF involves modeling revenue growth, EBIT margins, tax rates, and subtracting reinvestment to determine free cash flows. These cash flows are then discounted using a chosen discount rate. The sum of the present values of these cash flows, along with the terminal value, gives the enterprise value. By subtracting debt and adding cash, the equity value can be determined. Dividing by the number of shares gives the intrinsic value per share. Different scenarios can be explored to determine a range of fair values.

00:46:04 ROIC and free cash flow drive value.

00:51:09 Higher ROIC generates intrinsic value growth through growth.

00:59:01 New Constructs provides accurate financial metrics data.

01:02:11 PE ratios and free cash flow multiples are commonly used by people, but they are often misunderstood. However, understanding the three drivers of the multiple - earnings growth, return on invested capital, and risk - can make them useful. Examples show how different growth rates and cost of capital affect justified PE ratios. As the cost of capital increases, the justified PE ratio decreases. It's important to understand these drivers to make sense of multiples.

You can find more John here on Twitter @JRogrow

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IFB294: Explaining Multiple Expansion and It’s Impact on Value Jul 17, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be all about multiple expansion- what it means and how it will impact the business you're investing in! The "multiples" term is always being thrown around by talking heads on tv and people in the investing community and we know how it can be confusing at times especially for beginners so listen on as we discuss each facet of it. Let's go!

Timestamps of the episode:

-What a “multiple” term mean in the investing word. [01:54]

-The importance of knowing the driver behind every multiple expansion. [04:33]

-How market expectations are baked into the multiples of a business. [05:45]

-Other impact drivers that can move a business’s multiple expansion. [09:02]

-If there’s multiple expansion, there exists also a compression. $META being the prime recent example. [14:40]

-How the price to book ratio can be a good multiple to gauge cyclical businesses. [21:14]

-The dangers of being fixated on the multiple expansion/compression game. [23:50]

-Value investors are also victims of the multiples game. [28:30]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Karen Finerman Joins Us to Discuss the Ups and Downs of Investing Jul 13, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be a special one as we have an awesome guest in the show! Karen Finerman, Metropolitan Capital Advisor's hedge fund manager and a panelist in CNBC's Fast money show, will be gracing us today with her investing journey, mistakes and wisdom throughout the years in different market cycles. She also has an upcoming podcast (already published at the time this episode goes live) named "How She does it which talks about having conversations with female leaders in all industries who make their own space and build their careers in unique ways. It was such a pleasure having her in our show and was a gem of insights not only in investing but life in general also so listen on!

Timestamps of the episode:

-Karen shares her investing journey from wanting to become a gymnast into doing risk arbitrage trading and being successful in a male dominated finance industry. [02:26]

-Why always thinking about the downside matters. Karen talks about an expensive lesson she learned from investing. [05:36]

-How to rationally handle your investing failures and make use of it. [07:49]

-Why the current market conditions does not surprise Karen. [10:15]

-How Karen's investing style changed throughout the years. [12:10]

-Withstanding market swings and irrationality. How to overcome when the market narrative is against your stocks. [16:40]

-Being in the age of hyper information does not help in giving you an edge as an investor. [21:44]

-Key pieces of information that are more signal than noise in the markets. [24:14]

-The best way of weighing investing risk vs reward in picking individual stocks. [29:18]

-When to sell: the underrated hardest thing to do in investing. [34:05]

-Karen shares the story behind her podcast, "How she does it" and how it empowers women in different industries. [36:50]

-The most important lesson she taught her daughters. [39:15]

-Karen talks about an amazing endeavor of a guest in her podcast which is awe inspiring to be honest. [41:20]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Karen Finerman's podcast - https://open.spotify.com/show/2bDVlf5r5Rocbq0xZCK2JE?si=36c4dfc0aa4d4404

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IFB292: 5 Metrics Every Beginner Investor Should Know Jul 10, 2023

Welcome to Investing for Beginners podcast! In today's episode, we will talk about the five financial ratios every investor, beginner or not, should know! There's a multitude of ratios out there and each has their own purpose but we believe that these five are the most important and should be in every investor's arsenal in valuing a business so listen on!

Timestamps of the episode:

-The most popular metric of them all: The price to earnings ratio (P/E) [02:00]

-The limitations of using the p/e ratio and the justification it gets depending on each industries it belongs. [04:33]

-Defining the price to free cash flow ratio (P/CF) and why it is a more superior ratio than P/E. [09:27]

-How to calculate the p/e and p/cf ratios into earnings yield. [14:52]

-Now into the efficiency ratios: Return on Equity (ROE) and Return on Invested Capital (ROIC) [15:45]

-Why always looking in a longer timeframe helps visualize the impact of ratios in a business. [21:38]

-Balance sheet ratio: Debt to equity (D/E) [24:40]

-The importance of knowing the context behind the d/e numbers and how it differs across each industry average. [27:04]

-What is an interest coverage ratio and what it tells you. [31:15]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB291: Overcoming Beginning Investor Skepticism Jul 06, 2023

Welcome to the Investing for Beginners podcast! In today's episode, its all about the skepticism of a beginner investor and how to overcome it. We delve into the most common hurdles and misconceptions why people won't start investing like starting capital, lack of patience and more so listen on!

Timestamps of the episode:

-How underrated stocks can be as a source of passive income. [02:50]

-What drives stock returns? [05:26]

-Why stable dividends provide a floor in a stock's price. [08:30]

-Patience is in short supply in the investing world. [10:35]

-The fastest to grow your wealth is to go slow. [13:00]

-Index funds is the way for the majority of people out there. [15:50]

-Another underrated force of wealth creation: the power of compounding. [18:00]

-Leveraging today's different tools to start your compounding journey. [22:00]

-The best time to invest is now, not tomorrow but now. Just get started. [26:40]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB290: Listener Q&A - How Do You Start Investing with $1,000 Jul 03, 2023

Welcome to Investing for Beginners podcast! Today's episode will be another round of great listener questions! As we've always said, we love receiving listener questions as it compels us to revisit important basic concepts in investing and also take deep dives into interesting topics so keep it coming guys! For this episode, we will talk about best pieces of advice for beginners in choosing their first stocks, the home country bias and a financial ratio that is often overlooked. Listen on!

Timestamps of the episode:

-The best piece of advice for beginners buying their first stocks. [02:20]

-There's nothing wrong being an indexer. [06:55]

-Why as a beginner, it's not bad having a home country bias. [08:30]

-Taxes to consider when investing internationally. [16:28]

-What is a payout ratio? and how high it should be. [18:00]

-The risks of having a high payout ratio and how it stunts a growth of a business. [22:48]

-Why Visa and Apple are great examples of a great business with a low payout ratio but brings great returns. [25:37]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB289: Problems and Pitfalls of Investing with Debt Jun 29, 2023

Welcome to the Investing for Beginners podcast! In today's episode we will talk about leverage and how it is being used in investing- the good and the bad, but mostly bad. Listen on as we go around the topic of debt and why in investing it is best to stay away from it even with the allure of higher returns.

Timestamps of the episodes:

-The Rich Dad, Poor Dad book by Robert Kiyosaki and how it teaches financial independence [02:22]

-Pitfalls and upsides of using debt in investing. [05:03]

-The cruel reality of using leverage and how it correlates with real estate investing. [11:15]

-The illusion of running your own business. [14:55]

-Using the leverage from your own home to buy investment properties. [18:50]

-The liquidity problem of real estate properties. [24:55]

-Why investing with a margin of safety will always be a good rule to follow. [27:44]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB288: Diving Deep in Howard Mark’s Memos of 2022 Jun 26, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be all about memos! And its from an investor we all admire and glean wisdom from. Howard Marks' memos are timeless pieces of investing advice that can range from when to sell into macro forecasting. Listen on as we talk our fave memos and discuss the insights we learned from it!

Timestamps of the episode:

-Who Howard Marks is and why you should listen and read his memos. [02:05]

-Selling a position is much harder than buying or starting one. Andrew and Dave shares their thoughts. [03:38]

-Strategies to deal with your emotions in investing. [11:10]

-Examples of metrics to help gauge a business's performance. [12:23]

-The different stock market cycles, its ebb and flow. [16:37]

-How narratives can change fast and easily- "This time is different" [21:48]

-Macro forecasting and weather forecast are one and the same. [25:50]

-Closing thoughts on why to read more of Howard Mark's memos. [34:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Howard Marks' memos- https://www.oaktreecapital.com/insights/memos

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IFB287: Listener Q&A – Employer Stock Plans Jun 22, 2023

Welcome to the Investing for Beginners podcast! This episode we have one great listener question! Even though this topic is more geared towards employees who have an investment program within their company the discussion towards the end of the show about diversification is a must listen!

Timestamps of the episode:

-What is an Employee Stock Purchase Plan (ESPP) and how it benefits you as an employee. [02:00]

-How to prioritize the different investing benefits of your employer. [05:48]

-Read the fine print of your employer stock plan as it can be a case to case basis. [10:00]

-The best way to think about the diversification of your investments especially as an employee. [13:25]

-Why diversification is mostly for everyone. Remember, you're not Charlie Munger. [18:48]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Bird's Eye View of Proxy Statements Jun 19, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will be talking about proxy statements! An underrated but an important financial disclosure that let you peek deeper into the incentives of every company management. Listen on as we take a deep dive on this often overlooked financial statement.

Timestamps of the episode:

-What is a proxy statement and how it relates to the management? [02:10]

-An example of a management that is aligned with its shareholders: $ADYEN [07:16]

-Rules of thumb in checking incentives of a company's management. [11:54]

-A fair way of using incentives to align management with shareholders. [15:45]

-The opposite side of the fence: How not to use incentives. [18:00]

-How Andrew looks at management ownership and whatnot. [22:29]

-Looking beyond the proxy statements: competition, structure and more. [29:33]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Benjamin Tan Joins Us to Discuss Enneagrams and the Power of Psychology in Investing Jun 15, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be a really interesting one and also a timeless topic for every investor out there! Joining with us will be Benjamin Tan from enneagraminvesting.com where he will share great insights into different investing psychology, how it matters and more so listen on!

Timestamps of the episode:

-Benjamin Tan shares his roots and explains how human psychology intersects with investing in the form enneagrams. [02:03]

-What is the idea behind an enneagram and how it can be used to encapsulate investor types. [05:37]

-The nuances of different investor types and how it can bleed into one another. [08:43]

-How knowing your investing personality will greatly help you make more informed and better decisions [11:05]

-Discovering your blind spots and biases is a lifelong process and can change a lot over time. [15:08]

-Taking a hard look into ourselves is easier said than done. Embracing weaknesses is not popular at all.[19:16]

-The challenges in using a personality test to become a better investor. [24:56]

-Understanding your own psychology is counterintuitively more important than focusing on returns. [27:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Benjamin Tan's website- https://www.enneagraminvesting.com

Know your investor psychology type! - https://www.enneagraminvesting.com/free-enneagram-test

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IFB285: Reflecting on the Process of Learning How to Analyze Stocks Jun 12, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will do a bit of introspection and looking back on the lessons we learned in investing for several years especially on misconceptions and how we value stocks so listen on!

Timestamps of the episode:

-Misconceptions Dave and Andrew realized throughout the years in investing. [02:18]

-Volatility can be your friend! [05:13]

-Things or "voices" beginner investors should avoid at all costs. [08:12]

-Knowing the incentives of the people you listen to is really important. [11:48]

-Investing in yourself, rather than focusing a lot on the best stocks, is a much underrated advice in the investing world. [13:40]

-How Dave's and Andrew's thinking about "numbers" in looking for great stocks evolved throughout the years. [19:00]

-Curiosity can go a long way especially in investing. Dave used it a lot to his advantage. [21:40]

-Why you should always avoid FOMO like a plague. [24:43]

-A misconception you have to buy all the big names to get the best returns in the stock market. [29:48]

-The best takeaway of Andrew from investing for several years. [31:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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The Basics of ETFs with Evan from My Money Marathon Jun 08, 2023

Welcome to the Investing for Beginners podcast! Today's episode we will have a special repeat guest with us, Evans from mymoneymarathon.com to discuss everything about ETFs. We will dive into the structure of what makes an ETF different from other investments, where to research and much more so listen on!

Timestamps of the episode:

-What are ETF's and how does it differ from an index fund? [02:27]

-The things to look for when choosing the right ETF for you. [05:12]

-Best places to research on different ETF's like structure and expense ratios. [08:30]

-Why an ETF is a great way to have an exposure to a particular industry you like with less volatility and risk. [12:22]

-Risks involving in investing on ETF's and why you should be wary on "overdiversifying" [19:10]

-How to start building your own ETF portfolio for beginners. [24:29]

-The ideal number of ETFs you should own. [28:18]

-Tracking your performance in your ETF portfolio and how often you should monitor it. [34:33]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Evan's website- https://mymoneymarathon.com

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IFB284: When Can You Open a Brokerage/How Should I Invest a Lump Sum? Jun 05, 2023

Welcome to the Investing for Beginners podcast! In today's episode we have another round of great listener questions! The topics encompasses a lot of areas, from how one under 18 can start into investing to what taxes will affect your retirement accounts. Again, we are always thrilled to answer your questions so listen on!

Timestamps of the episode:

-A question in Portuguese and a relevant one at it: How people under 18 can start investing? [02:20]

-How does compounding really work? Is the starting size relevant? [05:49]

-Using a windfall to invest or pay down debt will always be a subjective choice. [09:50]

-Staying in the game as long as possible is more important [12:56]

-Dollar cost averaging should be the way for most people. [17:15]

-Different taxes involving lump sum inheritance money. [19:19]

-How the ROTH IRA and traditional IRA are being taxed and why you should take note of it. [23:52]

-Best places to research on about different individual retirement accounts and what will fit your needs. [26:18]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Link to our previous episodes talking about starting on IRA's and more. Start here on IFB60 to 64-https://open.spotify.com/episode/2TBUfRy0dWRv4ewzZYVxl8?si=64e05b3a21c440d2

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IFB283: Back to the Basics of Building a Portfolio Jun 01, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will do a back to the basics discussion about building a portfolio from scratch! We all know how daunting it can be starting your own portfolio especially with so much information available now in our age. Don't fret! Andrew and Dave is here to give you insightful tips as they share about how a retail investor can start based on their own experiences also so listen on!

Timestamps of the episode:

-The idea of building an investment portfolio from scratch. [02:00]

-Don't put all your eggs in one basket! [03:25]

-Different sectors of the stock market that are available for beginner investors. [05:17]

-Diving in sectors you're passionate with is a good starting point. [10:45]

-How to cope and not succumb in FOMO with the hottest sectors of the day. [13:25]

-Position sizing is often overlooked and must be given thought when starting a portfolio. [17:45]

-The importance of letting your winners run and how it is a good problem to have. [21:05]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB282: In Defense of the Top 5 Companies in the S&P 500: Things Investors May Not Know May 29, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be a discussion about the top 5 companies in the S&P 500 index specifically on things you may not know about them as a beginner investor. Listen on as Dave and Andrew give interesting facts and tidbits about each companies and how it will propel their value more going forward.

Timestamps of the episode:

-Apple turns a dollar into three like magic and how it can continue this magic in its business moving forward. [02:10]

-Google's stickiness is more "sticky" than you think especially on children today. [08:43]

-The amount of cash these tech giants have can be mind boggling and presents a dry powder for ripe opportunities. [14:40]

-Microsoft is building behind the scenes platforms that most people don't appreciate much and will be a huge value drive going forward. [16:50]

-Amazon web services or AWS as popularly called is a behemoth in cloud services and everybody is playing catch up still until now. [23:20]

-Berkshire Hathaway's energy company's scale and size deserves more attention. [28:18]

-Dave gives a good advice on beginners in looking to invest in the S&P 500. [33:10]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB281: How to Hold a Company Rising Quickly/How We Look for Quality Companies May 25, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we have another round of great listener questions! As always, we love having these kind of questions directed in our way and this time it's about a problem every investor wants to have while the other one will be on characteristics to look for in a healthy business so listen on!

Timestamps of the episode:

-A high class problem to have: what to do when a holding of yours increases significantly. [01:45]

-Trimming your flowers and watering the weeds is a balancing act that is hard to pull. [07:40]

-Practical rules in identifying a healthy business. Business case study: Watsco $WSO [12:28]

-The return of invested capital (ROIC as mostly known) is one of the best metric to gauge the efficiency of a business to allocate capital. [20:10]

-The price you pay still matter even if it's a great business. [24:37]

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Bird's Eye View of Bank Analysis (Citizens First Republic) May 22, 2023

Welcome to the Investing for Beginners podcast! Today's episode we will take a bite on a complex topic such as the banking industry. The discussion stemmed from a listener question sent to us about a bank and how to analyze it so of course we are more than happy to go deeper and talk about it. Listen on as we try to simplify as much as possible the jargons surrounding the business of banks.

Timestamps of the episode:

-Recent rundown on the banking sector and what happened so far. [02:56]

-What makes a bank different from a regular business and what are the risks. [05:46]

-Key parts in understanding the financial structure of the banking business. [09:30]

-Loan quality is everything for banks. Dave shares his "cheat code" in checking one. [18:15]

-Why the balance sheet of banks is the most important section of 10k's compared to most businesses. [20:50]

-How studying the banking can be overwhelmingly exciting and too much at the same time. [26:15]

-Major red flags to look for when analyzing banks especially in the current times. [27:50]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB279: New Investor Mistakes and How to Avoid Them May 18, 2023

Welcome to the Investing for Beginners podcast! In today's episode it's all about beginner investor mistakes and why you should avoid them like a plague! Listen on as Dave and Andrew discuss timeless mistakes every starting investor makes. Remember, you don't need to pay a high "tuition" price to be humbled by the market!

Timestamps of the episode:

-Why day trading isn't for every one and probably not for you too. [01:54]

-The allure of leverage is doubling your gains but doubling your losses also with the latter happening oftentimes [05:33]

-Putting all your eggs in one basket is another sure fire way of losing your money. Remember you're not Warren Buffet. [08:55]

-Why timing the market will do you more harm than good. Hindsight is always 20/20. [11:04]

-Getting into the "hot" stocks of the day is a bandwagon every beginner investors should avoid. [13:34]

-Panic selling shows more of your understanding of the business itself than the market. [16:15]

-Buying solely because of the dividend yield is a trap. [20:05]

-Watching too much financial news must be avoided like a plague. [22:40]

-Following and buying the same stocks as what an online "guru" recommends. [27:23]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB278: How to Deal with Macro Issues May 15, 2023

Welcome to the Investing for Beginners podcast! In today's episode we will be discussing about the doom and gloom surrounding the market and how to deal with it as an investor. How can you filter the noise? Dave and Andrew discussed interesting points on how they cope themselves so listen on!

Timestamps of the episode:

-How to deal with the current economic environment impacting your investments. [01:55]

-What macro really means and to what degree should you care about it. [04:13]

-Why timing the market is impossible. [06:33]

-The fastest way to grow wealth is to go slow- dollar cost averaging. [12:40]

-Can we reliably predict if we are really in a recession? [15:02]

-Understanding the businesses you're invested in helps you weather any economic storm. [18:45]

-How Andrew and Dave deals with the current macro environment and how it affects their investing decisions. [24:37]

-Circle of competence will help you hold on tight in right businesses. Dave takes a bite on Visa as an example. [32:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Bird's Eye View of the Balance Sheet May 11, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be another bird's eye view of the last main segment of an annual report or 10k which is the balance sheet! Looked upon as the most boring section among the three but there is more than meets the eye! Listen on as we discussed how important it is and how it drives the value of a business forward.

Timestamps of the episodes:

-Why should you care about the balance sheet in the first place? [02:13]

-Terms to note in looking at a company's balance sheet. [04:04]

-Assets and liquidity go hand in hand. [06:36]

-How everything balances out in the balance sheet and why it can be confusing at first. [13:20]

-Two things investor should focus on the most in reading a balance sheet. [17:27]

-Three ways businesses drive value using their balance sheet. [23:17]

-The best balance sheet among the three businesses discussed. Spoiler alert: its a fruit. [25:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Book mentioned in the show- Financial Statements: A Step-By-Step Guide to Understanding and Creating Financial Reports by Thomas Ittelson

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IFB277: Defining Apple’s Moat By Looking at the Components May 08, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will discuss what a "moat" means for businesses and why you should take note of it. Listen on as we breakdown to you different kinds of moats and how it protects a business from its competitors!

Timestamps of the episode:

-What is a "moat" and how it relates to a business like Apple. [02:15]

-Identifying what makes a moat and how it protects a business from competitors. [03:45]

-How the stickiness of a moat further protects a business from competition. [08:00]

-The essence of network effects in a moat- the more the better it becomes! [10:13]

-Why economies of scale becomes better the larger a company is. [13:05]

-How proprietary technologies strengthens existing moats and drives more value to the business. [15:15]

-What price you pay still matters in the end no matter how great a moat a business has. [18:41]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Bird's Eye View of the Cash Flow Statement May 04, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be another bird's eye view of one of the most important part of 10ks: cash flow statement! We will breakdown for you each part and how it impacts the business as a whole so listen on! Disclaimer: We highly recommend you listen first to the bird's eye view of income statement to make it easier!

Timestamps of the episode:

-Why would you care about the cash flow statement? [01:55]

-Talking about depreciation and amortization and how it relates in running a business. [03:00]

-Important thing to note in a cash flow statement. [07:38]

-The three main parts of the cash flow statement and how it relates to each other. [09:22]

-Cash from operations: the place where money from the business branches out. [11:55]

-Discussing about Capex- capital expenditures: the warm blood that keeps the business going. [24:33]

-Understanding the cash flow statement is understanding the capital allocation of a business. [28:55]

-Last thoughts in this important part of the financial statement. [35:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Rent to Retirement

Rent To retirement offers fully turnkey properties that are newly built or renovated, leased & professionally managed, allowing you to invest with confidence out of state. They have single family, multi-family, new build & syndication opportunities across multiple markets. Rent To Retirement assists investors in learning how to build a comprehensive business plan with the best investment & tax strategies to achieve financial freedom through real estate investing!

To learn more, visit RentToRetirement.com/BEGINNERS. That's Rent T-O Retirement.com/BEGINNERS. Or call 800.311.6781 that's 800.311.6781 to learn more about how you can get started investing in some of the best cash flow markets today

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IFB276: Day One As An Investor May 01, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be a day zero! Just like Jeff Bezos like to say about Amazon on being always on day 1, this episode will be the day zero for beginner investors! Listen on as we talk about how to kick start your journey into investing!

Timestamps of the episode:

-The easiest steps beginner investors can do to start. [02:40]

-Accounts you would want to open and optimize light in the beginning. [06:08]

-Index funds and ETFs are your gateway drug to investing. [09:25]

-Common pitfalls of beginner investors. [12:09]

-The optimizer heavy: stock picking. [19:00]

-The importance of having an inner scorecard and how it will help you stay in the game. [23:28]

-10ks or the financial statement: the most important resource for stock pickers. [25:28]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Rent to Retirement

Rent To retirement offers fully turnkey properties that are newly built or renovated, leased & professionally managed, allowing you to invest with confidence out of state. They have single family, multi-family, new build & syndication opportunities across multiple markets. Rent To Retirement assists investors in learning how to build a comprehensive business plan with the best investment & tax strategies to achieve financial freedom through real estate investing!

To learn more, visit RentToRetirement.com/BEGINNERS. That's Rent T-O Retirement.com/BEGINNERS. Or call 800.311.6781 that's 800.311.6781 to learn more about how you can get started investing in some of the best cash flow markets today

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Bird's Eye View of the Income Statement Apr 27, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will take a stab on the income statement, the first part of the three you can read in an annual report or 10ks. This will be a lengthy episode but we promise you it will be a fruitful one! Now listen on as we breakdown to you each line item of the income statement. Let's go!

Timestamps of the episode:

-Why does the income statement matter? But first diving into what a financial statement really is [02:00]

-What is an income statement and how it is structured? [05:18]

-Taking a bite on revenues, what is it and what it means with Apple, Starbucks and Netflix as an example. [09:28]

-Shifting to earnings as to what they are and how it differs to revenues. [16:56]

-What to look for in revenues and making sense its breakdowns. [21:58]

-Operating income/expenses, the pure profit of a business. [27:42]

-Interest income/expenses, the boon for companies with heavy debt. [35:40]

-How to process a lot of this information as a beginner investor. [39:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

www.surveymonkey.com/r/airwave.

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IFB275: Listener Q&A Concerning Buildng a Portfolio and Maximizing Your 401k Apr 24, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be about a series of superb questions from one of our beloved listeners that we came to know! Listen on as we talk a lot about portfolio construction- how to build it up and make it suit the best to your own.

Timestamps of the episode:

-How to structure and build up your stock portfolio. Spoiler: There is no hard and fast rule. [02:12]

-Basic principles to follow in building your portfolio. [07:25]

-What's the best way to approach each weighting of a stock in a portfolio. [10:18]

-Is there an optimal number of weighting size in portfolio allocation? [15:35]

-Mean reversion and doing a lot more activity than one should be. [20:28]

-What are closed end funds and would it be beneficial to your portfolio? [26:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

www.surveymonkey.com/r/airwave.

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Bird's Eye View of Dividends Apr 20, 2023

Welcome to the Investing for Beginners podcast! Today's episode will all about be dividends! For sure every one wants to receive cash from their hard earned money and dividends is one of those way! Listen on as we discuss about it, everything from what it really is, the perils and the metrics to use.

Timestamps of the episode:

-What dividends really are and why it compounds best. [02:22]

-Where to find dividends' information on financial statement. [04:35]

-Why do different companies pay varying amounts of dividends or none at all. [07:10]

-How a life cycle of a business determines how much dividends it pays. [10:08]

-Metrics and ratios to know in exploring dividends. [14:00]

-How the maturity of a business affect the dividend yield. [21:00]

-The power and beauty of compounding dividends. [23:35]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Here is the link for the listener survey mentioned in the show: www.surveymonkey.com/r/airwave.

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IFB274: How Are Our Accounts Protected/Diversifying with ETFs/Books to Help Continue Your Investing Journey Apr 17, 2023

Welcome to the Investing for Beginners podcast! In today's episode we will talk about our all time favorite of answering listener questions! We have three great questions this episode that encompasses safety of your money in brokerage firms, diversified index funds, book recommendations and more! Listen on as we get into these different topics with you as a beginner in mind as always!

Timestamps of the episode:

-What are the risk in brokerage firms failing? What will happen to your investments if a brokerage goes bankrupt. [01:56]

-Would a little bit more of diversification hurt? [05:35]

-Owning an all world index fund, what it does for you and why it can be the best. [10:10]

-The defensive and enterprising investors, which one are you? [14:35]

-Book recommendations to read to expand and know more about financial statements. [19:04]

-Good tips and advice in pushing through learning accounting. [22:00]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Here is the link for the show survey mentioned in the episode: www.surveymonkey.com/r/airwave.

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You can find the transcript of today's show below:

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IFB273: Banking Crisis Averted/Building a Portfolio/Performance Compared to the S&P500 Apr 13, 2023

Welcome to the Investing for Beginner’s podcast! Today’s episode, we will answer great listener questions which are really diverse and not related to each other. We will discuss our thoughts about the SVB crisis, how to do portfolio allocation and Andrew’s e-letter performance so listen on!

Timestamps of the episode:

-You don’t have to have an opinion on everything. Stay in your circle of competence. [02:33]

-How to properly weigh an allocation on each stock in your portfolio. [06:33]

-What is diversification and why its a key in portfolio management. [10:00]

-Andrew explains the performance of his monthly e-letter picks and the rational behind it. [14:18]

-The evolution of Andrew’s investing from cigar butt style to buy wonderful businesses in fair prices. [17:40]

-Investing style is a lifelong process and not immune to change. [20:26]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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You can find the transcript of today's show below:

IFB273Download

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IFB272: Bear Market Therapy Apr 10, 2023

Welcome to the Investing for Beginner’s podcast! In today’s episode, we will turn the gloom and doom of the current “bear” market into something positive for all. Listen on as, Andrew is back with us again in the show (yay), we talk about how to deal with the current market especially on your behaviors and emotions.

Timestamps of the episode:

-Bear market “therapy” and your behavior towards the market. [02:43]

-How often should you check your portfolio. [04:24]

-Dave’s first bought stocks and how it fared [07:50]

-Short term chasing will never be good and how detaching from the market will do wonders. [10:22]

-Managing your emotions thru the ups and downs of the market. [12:56]

-Detaching isn’t easy but doable. [16:15]

-Alternative routes in making yourself detached from the market. [19:44]

-Great and encouraging words from Andrew on dealing with the current bear market. [22:57]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Brian Feroldi Joins Us to Give Us 8 Reasons the P/E Ratio Sucks Apr 06, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will have Brian Feroldi joining us in a first time ever live show here in Cincinnati's economy fire conference. He will discuss the price to earnings ratio which is the most common and known metric in the investing world. Listen on as he talks why solely using the p/e ratio can be bad and when is it useful to be used on.

Timestamps of the episode:

-Why the price to earnings ratio alone is a bad metric. [01:45]

-The different flavors of the P/E ratio with the focus on how the "E" is structured. [04:15]

-How the earnings of a company can be misleading which makes the P/E ratio wrong. [07:08]

-First reason why a P/E ratio can be misleading: Accrual accounting. [08:12]

-Walking back to the overview and relationships of the three financial statements. [11:05]

-Second reason: Equity investments will either deflate or inflate earnings [13:50]

-Third reason: One time events are mirages and won't happen often. [16:55]

-Fourth reason: Unsustainable trends work like boom and bust cycles. [19:58]

-Cyclical demand is hard to predict and can be counter-intuitive. [21:27]

-Industry dynamics will dictate how a business really earns. [24:42]

-Fifth reason: Disruption, knowing this is next to impossible as we live in the most disruptive periods in human history due to fast paced tech innovations. [26:42]

-Eight reason: Knowing which phase a company's business growth cycle can be a hit or miss. [29:00]

-The most important thing in using the P/E ratio. [34:56]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Link to Brian's website- https://www.brianferoldi.com

Today's show is sponsored by Rent to Retirement

Rent To retirement offers fully turnkey properties that are newly built or renovated, leased & professionally managed, allowing you to invest with confidence out of state. They have single family, multi-family, new build & syndication opportunities across multiple markets. Rent To Retirement assists investors in learning how to build a comprehensive business plan with the best investment & tax strategies to achieve financial freedom through real estate investing!

To learn more, visit RentToRetirement.com/BEGINNERS. That's Rent T-O Retirement.com/BEGINNERS. Or call 800.311.6781 that's 800.311.6781 to learn more about how you can get started investing in some of the best cash flow markets today

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Jordan Grumet of Earn & Invest Podcast Joins Us to Discuss the Hows and Whys of Investing Apr 03, 2023

Welcome to the Investing for Beginners podcast! This episode is really insightful and special as we will be joined by Dr. Jordan Grumet of the Earn and Invest podcast. There is more to life than money and Dr. Jordan expounds it well with his insights in personal finance especially in making money as a tool and not the end goal itself. Listen on!

Timestamps of the episode:

-Dr. Jordan shares his story as to why he wrote an investing book for physicians like himself. [02:40]

-The biggest regrets in life his patients tell him. Spoiler: Its not about money. [06:20]

-How would one go into aligning their own purpose in life to their financial goals. [09:43]

-He shares a powerful story of his patient who did something he never regretted in his life. [13:35]

-Know what your passionate about first then walk back to your personal finance and structuring around it.[15:22]

-How compounding can work not only in money. [24:05]

-Why we should not make money our goal but as a tool that helps us realize our true goals. [25:33]

-The great concept of slow/coast FIRE (Financial independence, retire early) [30:39]

-How writing your own obituary now can make wonders to your life. [33:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Link to Dr. Jordan's work and podcast- https://jordangrumet.com

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Andy Shuler Joins Us to Discuss HSAs and ETF Investing Mar 30, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will be having Andy Schuler, our resident writer and partner in einvestingforbeginners.com blog talk with us about HSAs and other fun stuff especially on picking great ETFs and how to manage an inevitable change in investing philosophy as you go with life. Listen on!

Timestamps of the episode:

-What is a Health Savings account or HSA in the first place? and how it really is helpful and a must have. [02:20]

-Limits and qualifications in opening a HSA account. [04:18]

-Fees involved in using the HSA and how to utilize it when the time of need comes. [07:48]

-The benefits of HSA among different age groups and why the younger you are the better. [09:56]

-The best part of having a HSA account which is underrated. [13:15]

-Why Andy's investing philosophy changed and how life undeniably had a hand. [18:05]

-Boring is great! Andy shares his process of picking great ETFs. [25:50]

-What to absolutely avoid in ETFs [30:35]

-The difference between ETFs and index funds. [32:10]

-How to manage your portfolio allocation in dealing with ETFs and index funds. [34:15]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Today's show is sponsored by Rent to Retirement

Rent To retirement offers fully turnkey properties that are newly built or renovated, leased & professionally managed, allowing you to invest with confidence out of state. They have single family, multi-family, new build & syndication opportunities across multiple markets. Rent To Retirement assists investors in learning how to build a comprehensive business plan with the best investment & tax strategies to achieve financial freedom through real estate investing!

To learn more, visit RentToRetirement.com/BEGINNERS. That's Rent T-O Retirement.com/BEGINNERS. Or call 800.311.6781 that's 800.311.6781 to learn more about how you can get started investing in some of the best cash flow markets today

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Masterclass Roundtable with Braden & Simon of The Canadian Investor Podcast Mar 27, 2023

Welcome to the Investing for Beginners podcast! Today's episode, we will be joined by the hosts and good friends from the Canadian Investor podcast, Braden Dennis and Simon Belanger to talk with us in a kind of a masterclass session in each of their favorite companies. Listen on and get a crash course in knowing about the complexity of the semiconductor industry and the little known world of snowmobile recreational business.

Timestamps of the episode:

-Company in focus: ASML, the Dutch semiconductor lithography giant, one of the most important company that exists which no one knows about. [02:30]

-Why the semiconductor industry will become less and less cyclical in the coming years and how ASML will benefit from it. [07:10]

-The recent sanctions on tech against China, Taiwan-China crisis and how it will affect ASML in the long run. [11:28]

-Normalizing the demand ASML is getting and how the ongoing onshoring of chip production away from Southeast Asia will affect them. [13:39]

-ASML's rich valuation and geopolitical tie ups. [16:36]

-Next company in focus: Texas Instruments ($TXN), an analog semiconductor company that sits in the opposite spectrum of ASML. [20:30]

-The difference between analog and digital chips and why being in the analog space benefits TXN a lot. [24:21]

-The robustness of TXN's moat, their relentless focus on free cash flow per share and share buybacks.[27:30]

-Risks associated in TXN's business and change in management. [35:40]

-Last company in focus: Bombardier Recreational products ($DOO), a surprisingly sticky manufacturer of snowmobiles, and personal watercraft. [38:15]

-Inventory and high interest rate risk of DOO. [44:25]

-A good reminder that you don't need to swing in every single pitch. [49:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Resources and links mentioned in the show:

Braden and Simon's own investing podcast- https://open.spotify.com/show/2NG24rv3Mv09EMsIc6rVfs?si=aafee6b1ae95495e

The book Dave mentioned- Chip War https://www.amazon.com/Chip-War-Worlds-Critical-Technology/dp/1982172002

Braden's own investing research platform made for retail investors- https://www.stratosphere.io

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IFB270: The Difference Between Knowing the Name of a Thing & Knowing the Thing Mar 23, 2023

Welcome to the Investing for Beginners podcast! In this episode, we will talk about a great learning technique pioneered by physicist Richard Feynman and how to apply it into investing itself. This is such an amazing tool as it forces you to go understand what you're learning in its first principles so listen on!

Timestamps of the episode:

-The Feynman technique and how to use it to become a better investor. [01:53]

-Reading the 10k's will always be the start in understanding any business. Also, respecting the too hard pile. [06:45]

-The simplest and easiest 10k's for beginners to read. [10:42]

-Putting it all together and what to do after understanding the business of a company. What's next? [13:36]

-Knowing the risk behind every business is the key. [17:00]

-The power of repetition and Charlie Munger's mental model on invert, always invert. [19:21]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Today's show is sponsored by Rent to Retirement

Rent To retirement offers fully turnkey properties that are newly built or renovated, leased & professionally managed, allowing you to invest with confidence out of state. They have single family, multi-family, new build & syndication opportunities across multiple markets. Rent To Retirement assists investors in learning how to build a comprehensive business plan with the best investment & tax strategies to achieve financial freedom through real estate investing!

To learn more, visit RentToRetirement.com/BEGINNERS. That's Rent T-O Retirement.com/BEGINNERS. Or call 800.311.6781 that's 800.311.6781 to learn more about how you can get started investing in some of the best cash flow markets today

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IFB269: VTI (Value Trap Indicator) and Beyond Mar 20, 2023

Welcome to the Investing for Beginners podcast! In today's episode we will discuss a great listener question extensively as it encompasses a lot of key ideas such as mental states, diversification, valuations, and more! So listen on!

Timestamps of the episode:

-The stock market is less like chess and more of a game of poker. [02:04]

-Using VTI v6 to hunt for deep value and why diversification is key here. [08:12]

-Long term approach vs deep value, which is better? Case in point: Intel. [13:31]

-Why deep value investing is hard and its not all about the numbers. [19:24]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB268: Beyond Books: The Best Reading Resources for Investors Mar 16, 2023

Welcome to the Investing for Beginners podcast! This episode will be a chock full of important names and resources on investing so be prepared! We will go through briefly on a lot of familiar investors (and obscure ones also) and their speeches and shareholder letters and tell you why they're worth your dime to read so listen on!

Timestamps of the episode:

-Peter Lynch and his investing style of knowing what you own. A classic. [02:27]

-Warren Buffett's speeches and his letters [03:52]

-Charlie Munger, the OG partner of Buffett that is a league of his own. [05:28]

-Howard Marks and his value investing memos: the sane voice amidst the noise. [08:18]

-Joel Greenblatt: the best value investor teacher. [11:00]

-Terry Smith and his Fundsmith shareholder letters: growth investing. [13:50]

-Tom Gayner of Markel, the lowkey investor following Buffett's investing style using insurance float. [15:00]

-Jeff Bezos' early Amazon shareholder letters and the persistent focus on free cash flow. [16:33]

-Jamie Dimon, CEO of JPMorgan Chase's shareholder letters, the second best to read after Buffett. [18:02]

-Mark Leonard's shareholder letters of Constellation software: relentless attention to ROIC, free cash flow and company culture. [19:33]

-Bill Ackman of Pershing Capital [21:55]

-Nick Sleep and Zacharia Nomad partnership shareholder letters, the pioneer of scale economies shared. [23:15]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Today's show is sponsored by Rent to Retirement

Rent To retirement offers fully turnkey properties that are newly built or renovated, leased & professionally managed, allowing you to invest with confidence out of state. They have single family, multi-family, new build & syndication opportunities across multiple markets. Rent To Retirement assists investors in learning how to build a comprehensive business plan with the best investment & tax strategies to achieve financial freedom through real estate investing!

To learn more, visit RentToRetirement.com/BEGINNERS. That's Rent T-O Retirement.com/BEGINNERS. Or call 800.311.6781 that's 800.311.6781 to learn more about how you can get started investing in some of the best cash flow markets today

Bigger Pockets Podcast

Want to replace your salary and start your own side hustle to escape the rat race and start OWNING your time? Tune into the BiggerPockets Real Estate Podcast to learn how you can do it too!

The BiggerPockets Real Estate Podcast shares REAL stories of everyday Americans who reached financial freedom through real estate investing.

Just type in “BiggerPockets Real Estate” on your favorite podcast app!

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Resources mentioned in the show:

Most, if not all, can be found here- https://www.stratosphere.io/fund-letters/

Charlie Munger's speech transcript on the Psychology of Human Misjudgment- https://jamesclear.com/great-speeches/psychology-of-human-misjudgment-by-charlie-munger

Joel Greenblatt's Columbia class notes transcript- https://focusedcompounding.com/wp-content/uploads/2018/03/Joel-Greenblatt-Class.pdf

Howard Marks' memos- https://www.oaktreecapital.com/insights/memos

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IFB267: How to Measure Liquidity in Investments Mar 13, 2023

Welcome to the Investing for Beginners podcast! Today's episode is a product borne from a large project we're doing the past days which involves metrics and numbers. The topic is about how investors, beginners especially of course, can avoid putting their money in risky investments. So listen on as we talk about the different metrics that are really helpful in determining if a business can pay its dues.

Timestamps of the episode:

-How could beginners avoid risky investments? Is there such a way? [02:33]

-Talking about the interest coverage ratio and what this useful metric mean. [05:19]

-Current ratio and why it is such an important one to measure a business' liquidity. [11:00]

-Different ways companies service their debts in the short term. [19:27]

-Discussing the debt-to-equity ratio and how this metric best reflect a business' long term solvency. [25:12]

-A good reminder on picking businesses and capital allocation of the management. [27:29]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB266: Where Does the Money Go After Investing + Buying Companies Going Up Mar 09, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we have another round of great listener questions! As usual, we love receiving these types of questions as it refreshes our knowledge in the basics. We will talk about what happens to the money every time you buy a stock, average cost basis, dividend re-pricings and more! Listen on!

Timestamps of the episode:

-When you buy a stock, where does the money go? Dave and Andrew discuss the structure behind buying, selling and utilizing of shares. [02:13]

-What does it mean when a stock price fall?[05:50]

-How to cope with your price anchoring bias especially if you have cash to invest and your holdings are above your average costs. [08:10]

-Why averaging up your cost basis is much harder to do than averaging down. [15:00]

-Are companies lately decreasing their dividends? If so, what does it mean and why you should not be concerned. [17:04]

-Why would a company decrease/increase their dividends in general? [20:03]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB265: You Don’t Need a Background in Finance to Invest Mar 06, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be up close and personal! Dave here will be sharing his investing journey to show that you don't need a degree in finance in order to invest in the stock market. He shares his ways in learning investing by himself and how he managed through it all so listen on!

Timestamps of the episode:

-Dave shares his backstory and shows how you don't need an accounting degree to invest in the stock market. [02:13]

-What would make an accounting class interesting? [05:37]

-Dave talks about Liberty Media Corp and sets it as an example in making accounting classes interesting. [08:35]

-Where to look for the reported financials of a company you're interested in? and how to learn as a beginner? [11:12]

-The best way to reinforce your learnings. [16:02]

-Dave's favorite part of his investing journey. [19:24]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Brian Feroldi Discusses the Importance of Earnings + Much More Mar 02, 2023

Welcome to the Investing for Beginners podcast! Today's episode we will be having a returning guest of the show for the third time! Brian Feroldi is back to discuss with us all about earnings call, how to approach position sizing, handle you own biases and more. Listen on as Brian's concise way of explaining things will surely leave you valuable insights to hold on to.

Timestamps of the episode:

-Brian talks about free sources to listen/access earnings call of companies you own and follow. [02:05]

-Why pay attention to earnings in the first place? [06:07]

-How to approach listening to earnings call if there's a lot of companies to keep tabs to. [07:18]

-Brian share his thoughts on position sizing and beginning a starter position. [09:45]

-Andrew talks about sunk cost fallacy and how this investing bias will cost you more than you intended to. [16:35]

-Differentiating between a good and bad investing decision. [19:29]

-Brian discusses Warren Buffet's investing checklist and how it will help individual investors stomach volatility. [22:58]

-How to decide what type of investor are you? [30:00]

-Learning accounting is a must and Brian emphasizes how crucial it is to learn the language of investing. [32:50]

-Brian takes a stab on Patrick O'Shaughnessy tweet on choosing three stocks to teach investing and shares his picks. [36:25]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Free earnings call sources mentioned in the show:

Quartr- https://quartr.com,

Tikr- https://www.tikr.com,

Seeking alpha- https://seekingalpha.com,

Stratosphere- https://www.stratosphere.io

Brian Feroldi's Twitter - https://twitter.com/BrianFeroldi

His youtube channel- https://www.youtube.com/@BrianFeroldiYT/featured

Today's show is brought to you by Shopify:

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IFB264: Basics of Risk + REITs and DCF Feb 27, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be us catering to another two great listener questions! Here we will open the talk on a question about what risk and volatility really is and end the episode with us taking a stab on the nature of REITs and how to value them. Talk about diversity so listen on!

Timestamps in the episode:

-Unpacking the idea of risk and how it governs your investing in general. [01:51]

-What is volatility? and how it relates to risk. [03:52]

-Separating the stock price from its business fundamentals. Focus on the underlying business! [06:42]

-How to navigate and handle risk and volatility. [12:11]

-Talking about what are REITs and how to value them. [16:28]

-What is AFFO/FFO and what it means to valuing REITs profitability. [20:08]

-How to use a discounted cash flow (DCF) on REITs. [24:04]

-Risks in doing DCF- tunnel vision and bogging down into unnecessary minute details. [28:20]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB263: Buying Compounders + Insider Buying Feb 23, 2023

Welcome to Investing for Beginners podcast! In today's episode we will answer two great listener questions! It will revolve around what compounding really means in a business, why insiders sell and more. As always, we love receiving listener questions so keep it coming!

Timestamps of the episode:

-What does a compounding business mean? [02:15]

-How to search for compounding business. [03:35]

-Establishing your personal hurdle rates in returns. [04:56]

-Life cycle of a business. [07:40]

-Buying all the "shiny" high growth businesses when you can stomach the volatility. [10:26]

-Different levers a company can use to compound returns. [13:03]

-Where to find information on insider selling and what to make of it. [17:16]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Websites mentioned in the show-

https://www.stratosphere.io

https://finviz.com

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IFB262: Why You Should Consider Buying "Boring' Businesses Feb 20, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be about why boring is good! We are always excited in investing in what the market deems "boring"- businesses that are under the radar but has proven track record and returns over many years. Listen on and know why we do so!

Timestamps of the episode:

-Why you should buy "boring" businesses? [01:44]

-The allure of "shiny" objects in the stock market. [06:24]

-How to find "boring" businesses as a beginner. [10:05]

-Using filters and popular names to go about finding diamonds in the rough businesses. [13:48]

-Digging deeper, how to hone in and keep your biases at bay when looking into boring businesses. [19:26]

-The classic Peter Lynch advice: Invest in what you know. [23:42]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB261: Mr Market and Margin of Safety: Our Two Favorite Mental Models Feb 16, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will discuss two of our favorite mental models that every long term investors should have! These two concepts are undeniably not new and came from Graham's seminal book, the Intelligent Investor but these mental models are timeless and will always be apt no matter what economic cycle we are. As long as human emotions and behaviors are in play in the stock market, these concepts will stay so listen on!

Timestamps in the episode:

-Back to basics: What's the stock market really is. [02:30]

-The Mr. Market mental concept: the stock market personified. [04:40]

-How to handle the ups and downs of Mr. Market. [09:28]

-The true edge of individual investors. [13:15]

-Margin of safety: paying less for what's its worth! [14:14]

-Patience and thinking more of the downside than the upside in investing. [20:04]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB260: Which Companies Would You Use to Teach a Finance Class? Feb 13, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be an investing class! Here we will take a stab on Patrick O'Shaughnessy's question posted in Twitter. (Link to the tweet- https://bit.ly/3HDqty4) The question goes like this: You get to teach an investing class by using three long term single case use stocks from any era. Berkshire's not allowed. Listen on as we discuss each of our picks that are sure good primer into what a great business is and vice versa!

Timestamps in the episode:

-Andrew's first case study: Coca-cola ($KO), a centennial multi-bagger brand. [02:14]

-The most obvious names can oftentimes make the most wealth in the stock market. [05:44]

-Dave's first case study: Visa ($V), the payment toll road king. [06:33]

-How Visa's business model changed into a scale not everyone expected it to be. [07:45]

-Andrew's second case study: Circuit city, the fallen electronics retailer. [10:44]

-Why a business that prioritizes growth at all cost can fall the hardest. [11:53]

-Dave's second case study: General Electric ($GE), a mature business on its last legs. [14:44]

-A perfect example of a company going through each stage of its business life cycle. [15:02]

-Why not all growth are not created equal. [18:00]

-Differentiating good acquisitions from bad ones. [20:18]

-Andrew's third case study: Tesla ($TSLA), the picture perfect growth machine. [21:57]

-A business on its early innings in real time. [25:05]

-Dave's third case study: Amazon ($AMZN), the e-commerce retail behemoth. [26:41]

-The management's relentless focus on free cash flow. [27:48]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Bird's Eye View of Texas Instruments, Focusing on Capital Allocation Feb 09, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will be doing a bird's eye view on a semiconductor company, Texas Instruments. We will dabble not much on the nature of its semiconductor business but focus on how the company manages really well their business especially on the capital allocation front. This is another "boring" business that has done great for a long time so listen on!

Timestamps of the episode:

-A brief intro on what Texas instruments ($TXN) do. [01:00]

-What capital allocation really means. [01:45]

-Free cash flow is the mantra and king for TXN. [04:17]

-Why free cash flow matter in the first place? [10:07]

-What sets TXN's capital allocation apart from their peers. [15:20]

-The three metrics TXN's excelled for the longest time. [20:44]

-Downsides of doing buybacks and how TXN does it right. [26:45]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB259: All About Taxes and Different Vehicles You Can Use to Help Reduce Your Taxes Feb 06, 2023

Welcome to the Investing for Beginners podcast! Today's episode will be about us talking on everybody's favorite subject- taxes! Sarcasm intended. As we near the tax filing season, we find it timely to talk about how taxes impact investing and ultimately your path to financial freedom. Listen on as we break down this important topic everybody's raving, or ranting about.

Timestamps of the episode:

-Why the topic of taxes is relevant in investing. [02:34]

-What are capital gains really? [04:21]

-Different vehicles that reduce taxes in investing. [05:33]

-The difference between traditional IRA and 401k accounts. [07:28]

-How dividends are taxed between the two retirement accounts. [11:19]

-What is a HSA? and why you would want to have one. [13:27]

-Breaking down tax deductions. [17:00]

-Talking about tax harvesting and why you should not make portfolio decisions based on this. [18:41]

-The best way to avoid taxes and how Buffett used this to compound his wealth. [22:23]

-How do you file your taxes? The two approaches you can take. [24:21]

-How the software Turbotax helps Dave in his taxes. [25:22]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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IFB258: Discussion Around the Yield Curve and Potential Recessions Feb 02, 2023

Welcome to the Investing for Beginners podcast! Today's episode is about the most anticipated recession and its relationship with the yield curve everybody is talking about in the financial space nowadays. We will shed light as to why people are fixated in the invertedness of the yield curve and the talk on "if the recession is here, why isn't it felt?" Listen on!

Timestamps of the episode:

-The polar opposite opinions on the existence of recession now. [01:25]

-What is the yield curve and its relevance to a recession. [03:10]

-Why the inverted yield curve poses an economic problem. [05:45]

-Understanding the effect of recession in the economy. [08:15]

-The lag between what the data shows and the market reaction. [11:40]

-Investing in a recessionary environment and market timing. [14:00]

-Focusing on what you can control. [17:43]

Note: Timestamps may differ and are approximate, depending on your podcast player.

The mentioned Richard Lehman seeking alpha article: https://seekingalpha.com/article/4564827-spy-understanding-s-and-p-500-performance-in-recessions

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Michelle Marki and Signe Lonholdt of Investing Mastermind Podcast Join Us to Talk Value Investing Jan 30, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we have not only one but two great guests! Michelle Marki and Signe Lonholdt of Investing Mastermind podcast joins us in talking about value investing, networking and their annual Berkshire meeting experience. They also share about their goal in bringing more women in a male dominated investing industry and how it will have a better overall impact in the industry as a whole. Listen on! More minds, the merrier!

Timestamps of the episode:

-How the Investing Mastermind podcast started. [01:03]

-Signe shares how she and Michelle were brought up into investing. [02:20]

-The annual Berkshire Hathaway meeting experience- the Woodstock for capitalist. [04:28]

-They talk about how women can fit well in a male dominated industry such as investing. [09:31]

-Reasons why there is a scarcity of women in the investing industry. [14:50]

-Michelle and Signe's value investing style. [18:18]

-Why now is the best time to invest. [22:15]

-How having an investing partner or essentially being with like minded individuals really help. [26:00]

-Unsafe investing spaces and how the Buffet-Charlie investing style of kindness is needed in those spaces. [31:15]

-How to find and network with like minded people. [35:23]

-Where to reach and learn more about Michelle and Signe's work. [38:33]

Note: Timestamps may differ and are approximate, depending on your podcast player.

Michelle and Signe's Investing Mastermind podcast- https://open.spotify.com/show/5pLLzmn6aF5UUa9S8fCUnP?si=c6c4240520ad4558

their email- investingmastermindpodcast@gmail.com

Michelle Marki's investing youtube channel- https://www.youtube.com/@MichelleMarki/featured

Signe Lonholdt's blog- https://www.aahus.com

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IFB257: How to Know When to Take a Loss + Buying Great Companies for a Fair Price Jan 26, 2023

Welcome to the Investing for Beginners podcast! In today's episode, we will be answering two really good listener questions! We always love having our listeners send us questions as this not only challenges our thinking but also refreshes us on why we're investing in the first place and this episode is like that! Listen on as we tackle all around important questions on when to sell, what to do on big drawdowns and how to manage your own margin of safety.

Timestamps of the episode:

-When to sell or double down on a beaten down stock. [02:13]

-How to handle drawdowns: an introspective look on Berkshire's past and Paypal at the present. [05:58]

-People should embrace the randomness of the market more by taking a longer term view. [07:40]

-A stock's price and it's fundamentals don't always correlate. [09:40]

-Buying a wonderful business at a fair price. [14:12]

-Building a margin of safety over time. [17:30]

-The mindset of limited arrows in a lifetime you can shoot on your bets. [20:28]

Note: Timestamps may differ and are approximate, depending on your podcast player.

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Chris Grainger Joins Us to Discuss Budgeting, Credit, and Investing Jan 23, 2023

Welcome to the Investing for Beginners podcast! Today's episode is a timely one for the new year as we have Chris Grainger from the Lion Within talk with us about personal finance especially tackling the word "budget" which has become a taboo and being taken for granted by most. He also talks about how to become a good steward of your money by following the different pillars he developed himself. This was a fun conversation, punctuated with laughs and jokes, as Andrew and Chris are friends in real life so listen on!

Key takeaways of the episode:

-Chris Grainger shares his personal finance journey and the importance of emergency fund.

-The four pillars of stewardship of money: Giving, saving, spending, and investing.

-Savings should be an expense line item not otherwise.

-Doing monthly budget meetings and why it is a must.

-Tips on budgeting and managing sudden knee jerk big purchases.

-Why managing your budget should be a fun exercise and not a rigid one to fall for.

-How the EveryDollar app can help you get started with budgeting.

-The appeal of investing that gets Chris excited the most.

Chris Grainger's website- https://thelionwithin.us

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Evan of My Money Marathon Joins Us to Discuss Personal Finance + Investing Jan 19, 2023

Welcome to the Investing for Beginners podcast! Today’s episode is a must for begginer investors! We’re having Evan from mymoneymarathon.com talk with us his investing journey and also gives good personal finance advice for people who are in their early 20’s like him. Evan runs the mymoneymarathon.com blog, a passion project of his with the goal of helping beginners into the world of investing. Our podcast shares his enthusiasm in spreading financial literacy and achieving financial independence so our conversation was such a treat! Listen on!

Timestamps of the episode:

-Evan introduces himself and shares his personal finance journey. [00:20]

-People are willing to share about investing/personal finance more than what you would think otherwise. [02:31]

-How Evan manages to avoid the usual early financial mistakes people at his age make. [03:51]

-Evan’s cool approach to budgeting. [06:23]

-Why he thinks investing is a must have for everyone. [09:06]

-Evan talks about saving vs investing and what made him hooked in the stock market. [10:54]

-The misconception that the stock market is inaccessible and is reserved only for the few. [14:10]

-How management fees can eat up your returns in the long term. [16:47]

-Setting up automation in investing is easier than it sounds. [18:22]

-Evan shares how beginners can start investing in the stock market. [19:45]

-How to manage your emotions when your investment portfolio is down. [23:25]

-The idea and goal behind Evan’s mymoneymarathon.com blog. [27:23]

-The most important thing he has ever done in investing. [31:15]

-Evan goes through some of his relevant blog post for beginners and gives out terrific advice as well. [31:55]

Evan’s blog- https://mymoneymarathon.com

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IFB256: How to Work with Probabilities in Investing Jan 16, 2023

Welcome to the Investing for Beginners podcast! In today’s episode, it’s all about probabilities! Of course, it relates to how you can incorporate it into your investing framework. We discuss Warren Buffet’s past bets and how he used probabilities to his advantage and also the nitty gritty problem on how to arrive on those probability numbers which what makes an alpha for investors.

Timestamps of the episode:

-What are probabilities and how it relates to investing in the stock market. [00:30]

- Talking about Robert Hagstrom’s book, The Warren Buffett portfolio and how Warren Buffett used probabilities to his advantage. [01:48]

-Using probabilities in your investing approach. [04:05]

-Diving further, assigning probabilities into your stock buying decisions. [05:42]

-Buffett’s early 90’s Wells Fargo bet and his probabilistic way of thinking in investing in other businesses. [08:43]

-How Andrew applies probabilities in his own investing decision making. [13:22]

-The Bayesian way of assigning probabilities. [16:00]

-Real world application: Auto industry [18:40]

How to position a portfolio as a beginner during the Sea Change

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IFB255: Howards Marks and the Ongoing Sea Change Jan 12, 2023

Welcome to the Investing for Beginners podcast. In today's show, we discuss Howard Marks latest memo regarding the coming Sea Change in markets:

· Howard Marks – Sea Change

· How do interest rates impact investments?

· Thinking about we account for the newer ways companies make money and how to value those changes

· How to position a portfolio as a beginner during the Sea Change

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IFB254: P/E and Growth Plus Using a Reverse DCF Jan 09, 2023

Welcome to the Investing for Beginners podcast. In today's show, we discuss P/E and growth along with how to use a reverse DCF

· What is the Price to Earnings Ratio?

· How to think about growth

· The importance of growth in investing

· How to use a reverse DCF

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IFB253: Four Investing Biases and How to Overcome Jan 05, 2023

Welcome to the Investing for Beginners podcast. In today's show, we cover four investment biases we all struggle with and how to overcome them:

Halo effect bias
Recency Bias
Hindsight Bias
Endowment Bias

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Christine Short of Wall Street Horizon Joins Us to Discuss All Things Earnings Calls Jan 02, 2023

Welcome to the Investing for Beginners podcast. In today's show, we talk with Christine Short of Wall Street Horizon:

Christine fills us in on her extensive background
Dive into buy-side and sell-side analysts
An overview of earnings and what they mean
What's important from the earnings reports
We need to understand companies will highlight all the positives
What should we look for in earnings reports
Diving into the importance of same store sales
Other things to look beyond numbers for in earnings calls
How earnings can impact company stock results
How companies or sectors tend to beat earnings
What kind of resources can we use to find earnings
Check out the LERI Index

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IFB252: Retirement Calculator, P/B and P/S Ratios, and Reinvesting AT&T Dividends Dec 29, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer two great listener questions, and share some feedback:

· What is a safe retirement goal and how much money can you take out during retirement

· A question focusing on oil stocks and what kind of metrics you can use to start analysis.

· What are P/B and P/S ratios?

· What are our thoughts on AT&T and reinvesting their dividends into other companies.

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Links mentioned in the show:

Finance subreddit The Fire or Financial Independence

Coast Fire Calculator

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Bird’s Eye View of Warren Buffett’s Purchase of See’s Candies and What We Can Learn Dec 26, 2022

Welcome to the Investing for Beginners podcast. In today's show, we take a Bird’s Eye View of Warren Buffett’s purchase of See’s Candies and what we can learn from that investment:

· Explain See’s Candies and its cult-like following during the Holiday season

· Why are we discussing See’s Candies?

· Buffett uses See’s Candies as a great example of returns on capital, great management, and a moat

· Buffett likes to use See’s Candies as an example of pricing power

· Inflation hedges and how to find them

· How he buys in big and stays with a company for a long time

· Andrew big takeaway, the idea of the cash cow, and finding businesses who think like See’s

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IFB251: How to Get the Most Out of My Companies Dividends + Investigating Brokerages Dec 22, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer three listener questions:

· What should I do to get the most out of my company’s dividend payments?

· The perks and benefits of HSA and how you can use one

· How do we research investing platforms?

· The differences between FDIC insurance and SIPC insurance

· What are our thoughts on investing in innovative industries or stocks not making a profit?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Masterclass

Today’s show is sponsored by Masterclass, one of my favorite new mediums to learn from. They have over 150 plus of the most brilliant minds sharing their insights and wisdom.

My favorite thing about Masterclass, you can learn how to become a better writer from world-class writers such as Malcolm Gladwell. In his class, he teaches you important topics like researching new ideas, how to go into depth in interviews. For example, he shares this tip about not preparing “too” much for an interview because it could stifle the creative process, BRILLIANT.

I highly recommend you check it out. This holiday, give one annual membership and get one free! Go to MASTERCLASS dot com slash ifb today. That’s MASTERCLASS dot com slash ifb. Terms apply.

SUBSCRIBE TO THE SHOW

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Alex Gregory of Better Way Teaches Us About Private Equity Dec 19, 2022

Welcome to the Investing for Beginners podcast. In today's show, we talk with Alex Gregory of BetterWay LLC about private equity:

· Alex’s background and how he got started in private equity

· The difference between stocks and private equity

· What is the overall private equity market, how large is the opportunity

· How likely is it that retail investors can invest in private equity

· The main reason people invest in private equity

· How do you invest in private equity?

· What are characteristics of good fund managers in private equity?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB250: The Wealth Snowball Recipe Dec 15, 2022

Welcome to the Investing for Beginners podcast. In today's show, we are going to work through how to create your own Wealth Snowball:

· Recipe Part #1: You can’t worry

· Recipe Part #2: Gather your tools

· Recipe Part #3: Pack the snow, or get your finances in order

· Recipe Part #4: Push and Push, Grind Through It

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB249: Should We Use DCA for Individual Stocks or ETFs? Dec 12, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer some great listener questions:

· Following up with a listener on finding a brokerage that can help you buy partial shares

· Should you use DCA (dollar-cost average) for individual companies or ETFs only?

· What is valuation and what sites are a good resource to help investors?

· Can you give me reasons to own ELE shares versus Google?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Planet Money:

Tune in to Planet Moneyevery week for entertaining stories and insights about how money shapes our world. Stories that can’t be found anywhere else.

Listen now to Planet Money from NPR -- wherever you get your podcasts.

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Bird's Eye View of Bear/Bull Case for Visa Dec 08, 2022

Welcome to the Investing for Beginners podcast. In today's show, we take a Bird’s Eye look at the Bear/Bull Cash for Visa:

· Bull case #1: network effects

· Bear case #1: regulatory impacts

· Bull case #2: how Visa makes money

· Bear case #2: The rise of crypto

· Bull case #3: The use of cash continues to dwindle

· Bear case #3: The increase in too much digital and competition rising

· How to ensure you understand the bear and bull case for each investment

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Bird's Eye View of Google's 10-K: How to Read Dec 05, 2022

Welcome to the Investing for Beginners podcast. In today's show, we take a Bird’s Eye look at Google’s 10-k:

· We discuss how we read the 10-k

· We discuss how to understand the business

· How to segment the 10-k into parts you can read

· The importance of the CTRL-F function and all it can help you read the 10-k

· The little clues you can pick up from while you read through each section

· The importance of understanding the risk section

· The meat and potatoes of the MD&A section

· Andrew skips the 3 financials section to continue learning the business

· Reading through the notes of Google

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB247: IFB247: Analyzing Apple & Tesla Through Back to the Basics Dec 01, 2022

Welcome to the Investing for Beginners podcast. In today's show, we analyze Apple & Tesla through the lens of Back to the Basics

· What does it mean when you own shares in Apple & Tesla?

· How to look at the income statement for both companies

· How to look at the balance sheet, what we owe vs what we own

· Describing the cash flow statement as the checking account of each business

· What is one big metric can we use to measure cash flows?

· How can we look at capital allocation vis a vis buybacks and dilution

· Why should we buy Tesla or Apple?

· The price you pay matters and how does that impact investing in Apple & Tesla

· The impact of dividends

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Rich Howe Joins Us to Educate Us Concerning Spinoff Investing Nov 28, 2022

Welcome to the Investing for Beginners podcast. In today's show, we talk with Rich Howe of Stock Spinoff Investing:

· How would Rich explain what a spinoff is, and how they work?

· Are there certain cycles or market cycles better for spinoffs?

· How do companies announce spinoffs?

· How would I benefit from a company spinning off a part of the business?

· Should investors stay with the parent company, or follow the spinoff?

· Do spinoffs have to go through the same process as a company IPOing.

· Red flags concerning spinoffs and what to avoid.

· Should you buy before or after the spinoff?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

To learn more about Rich check out these links:

Stock Spinoff Investing

Twitter

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Grace Nicolette Talks to Us About the Importance of Philanthropy Nov 24, 2022

Welcome to the Investing for Beginners podcast. In today's show, we talk with Grace Nicolette of Center of Effective Philanthropy about the importance of giving:

· Grace is the Vice President of Programming and External Relations at CEP

· Grace co-hosts a podcast about giving The Giving Done Right Podcast

· How can giving back benefit the donors?

· How giving is different from investing, they are separate skill sets

· What is the first step to becoming a good donor?

· What pitfalls can donors fall into and how can we avoid them?

· Can getting a big donation hurt giving over the long-term?

· Grace talks to us about impacting investing and her interview with Jeremy Lin

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB246: How to Use Relative Valuation + Investing in New Companies or Current Portfolio Nov 21, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer four great listener questions:

· How would invest if you have a company match that equals 10% in your 401k?

· Should I look for new names with extra funds, or reinvest in current holdings?

· Is using insider services essential to investing?

· What is Relative Valuation and how should we look at it regarding adjustments, and SBC (stock-based compensation)?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Today's show is sponsored by Planet Money Podcast.

With the Great Resignation, inflation on the rise, and a future recession on everyone’s minds—money is everywhere, in everything, fueling our lives. If you’re a fan of Investing for Beginners and are curious to learn something new and exciting about money every week, I recommend you listen to the Planet Money podcast from NPR.

Planet Moneyis a different kind of world where the complex economy actually makes sense; where human stories supersede abstract theories; and where listeners can learn, laugh, and be entertained. It’s econ, down to earth.

Listen now to Planet Money from NPR - wherever you get your podcasts.

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Kevin Carter of EMQQ Joins Us to Discuss Investing in China, India, and Latin America Part 2 Nov 17, 2022

Welcome to the Investing for Beginners podcast. In today's show, we continue our conversation with Kevin Carter about investing in China, India, and Latin America (LATAM).

· How does EMQQ solve part of the issue of investing in China

· Kevin discusses the three major trends sweeping the world

· We discuss investing in foreign companies using ADRs

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Apple | Spotify | Google | Stitcher | Tunein

Today's show is sponsored by: Masterclass

Today’s show is sponsored by Masterclass, one of my favorite new mediums to learn from. They have over 150 plus of the most brilliant minds sharing their insights and wisdom.

My favorite thing about Masterclass, you can learn how to become a better writer from world-class writers such as Malcolm Gladwell. In his class, he teaches you important topics like researching new ideas, how to go into depth in interviews. For example, he shares this tip about not preparing “too” much for an interview because it could stifle the creative process, BRILLIANT.

I highly recommend you check it out. This holiday, give one annual membership and get one free! Go to MASTERCLASS dot com slash ifb today. That’s MASTERCLASS dot com slash ifb. Terms apply.

Contact sales@advertisecast.com to advertise on Investing for Beginners podcast. The Investing for Beginners podcast is part of the Airwave Media podcast network.

Now, here’s part two of our conversation with Kevin Carter of EMQQ, picking up in the middle of the interview. To hear part 1, please download last weeks episode.

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Kevin Carter of EMQQ Joins Us to Discuss Investing in China, India, and Latin America Part 1 Nov 14, 2022

Welcome to the Investing for Beginners podcast. In today's show, we talk with Kevin Carter about investing in China, India, and Latin America (LATAM).

· We discuss Kevin’s background, including meeting and working Burton Malkiel, the author of A Random Walk Down Wall Street

· Dispelling myths about investing in China

· Is the political risk of the government taking over companies overblown, and are we overthinking these ideas?

· Are there risks of companies being completely state owned?

· How to think about the historical leaders imperative to take care of the Chinese people and investing in the country

· What are our resources to investigate companies in emerging markets?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB245: Should You Max Out Your 401k + Resources to Learn More About Dividends Nov 10, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer four great listener questions:

· Would it better to max out your 401k before investing in a brokerage account?

· How to best use a 529 plan

· Are there any books to help you get started in dividend investing?

· Is there an easy way to track dividends?

· When should I am to withdraw dividend income instead of reinvesting?

· What is your assessment of Berkshire Hathaway as an investment?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Neuro Experience with Louisa Nicola Podcast

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Louisa Nicola Joins Us to Discuss Improving Your Health to Make Better Decisions Nov 07, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Louisa Nicola, neurophysiologist and brain coach:

· We talk about Louisa’s background

· We spend some time talking about sleep and its importance related to making decisions

· How you can improve your sleep

· The benefits of exercise, particularly strength training

· How habits affect our brain, and why our brain likes habits so much

· How habits can help us make better decisions

· How can stress impact our decisions, and what can we do to reduce stress?

· How can the food we eat impact our decision making?

· How can we use these 3 pillars of health to help improve our investing and decision making?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

If you want to learn more about Louisa:

Neuro Athletics

Newletter

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Little Package of Valuation

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IFB244: How to Deal with a Few Companies Taking a Sizable Portion of Your Portfolio, Plus Index Funds & Trust Funds Nov 03, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer four great listener questions:

· What’s a great index fund to start DCA (dollar cost averaging) into?

· How to approach the family broker as the manage the trust fund, and how to work with your family on different money issues

· How to approach positions in the portfolio that grow beyond your comfort level, and should you learn more about others in your portfolio?

· Should I adjust for stock-based compensation in my valuation models?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Bird's Eye View of HP Inc Oct 31, 2022

Welcome to the Investing for Beginners podcast. In today's show, we take a look at bird’s eye view of HPQ or HP Inc :

· Why would Warren Buffett buy this company?

· First step look at the top line growth or revenue growth

· Brief historical look at the company.

· What we are seeing from the Income Statement

· Andrew dissects their demand and growth

· We take a look at the balance sheet using the current ratio

· Andrew discusses brand and its importance to the company

· We take a look at the ROIC (return on invested capital)

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Today’s show is sponsored by BetterHelp:

BetterHelp is the world's largest therapy service, facilitating over 5,000,000 video sessions, voice calls, chats, and messages every month. BetterHelp set out on a mission to ensure everyone has easy, affordable, and private access to high-quality therapy.

As someone who struggled with mental health earlier in life, therapy helped me better handle my struggles.

If you consider giving therapy a try, BetterHelp is a great option; it's convenient, accessible, affordable, and entirely online.

When you want to be a better problem solver, therapy can get you there. Visit BetterHelp dot com slash INVESTING today to get 10% off your first month.

Contact sales@advertisecast.com to advertise on Investing for Beginners podcast. The Investing for Beginners podcast is part of the Airwave Media podcast network.

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IFB243: What You Can Buy on the Dip Oct 27, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat about what you can buy during the dip:

· Andrew & Dave’s first type of company – GARP (growth at a reasonable price)

· Andrew’s next category – Cyclicals

· Andrew’s Third Category – Value with a Catalyst

· Dave’s last category – World Class Companies at great prices

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Masterclass

Today’s show is sponsored by Masterclass, one of my favorite new mediums to learn from. They have over 150 plus of the most brilliant minds sharing their insights and wisdom.

My favorite thing about Masterclass, you can learn how to become a better writer from world-class writers such as Malcolm Gladwell. In his class, he teaches you important topics like researching new ideas, how to go into depth in interviews. For example, he shares this tip about not preparing “too” much for an interview because it could stifle the creative process, BRILLIANT.

I highly recommend you check it out. Get unlimited access to EVERY class, and as a Investing for Beginners podcast listener, you get 15% off an annual membership! Go to MASTER CLASS dot com slash ifb now.

SUBSCRIBE TO THE SHOW

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Bird's Eye View of Mercedez Benz Oct 24, 2022

Welcome to the Investing for Beginners podcast. In today's show, we take a bird’s eye view of Mercedez Benz Group (MBGAF)

· We discuss some of the challenges of tracking down the ticker because of the recent split of the company, from Daimler to Mercedez Benz

· An overview of ROIC (return on invested capital) and its importance

· Comparing Tesla’s ROIC to Mercedez Benz

· Looking at the different models for Mercedez Benz compared to others in the industry, such as Tesla, Honda, and Toyota

· How can a high dividend yield impact a potential investment

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Credit Card Advantages/Disadvantages

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Andrew Schrage of Money Crashers Joins Us to Talk Finance and Side Hustles Oct 20, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Andrew Schrage, CEO and co-owner of Money Crashers:

· How Andrew started Money Crashes and how his “side hustles” grew to become the business it is today.

· How Money Crashers focused on people without much financial background and how they targeted content to help those people.

· The biggest challenges he sees out there, helping people save more money, and understanding credit cards and how they work.

· How Andrew describes compound interest and the impact of paying off debt

· What Andrew thinks of BNPL (Buy Now Pay Later)

· Andrew’s thoughts on creating discipline with your money

· How to look at growing income, side hustle, or reducing expenses and which will work best for people

· What does he think is the biggest hangup preventing people from starting investing?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

You can learn more here from these great articles:

Best Cash Back Credit Cards

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Bird's Eye View of Brookfield with Adrian of Stratosphere Oct 17, 2022

Welcome to the Investing for Beginners podcast. In today's show, we take a bird's eye view of Brookfield Asset Management (BAM) with Adrian from Stratosphere.io.

· How Adrian got his start in Cannabis and how he learned from his mistakes

· Talking about Adrian’s background in accounting and how he overcomes FOMO.

· Talking about doing research outside of the US, in Canada using company websites.

· How Adrian uses Twitter to help him do research and find investment ideas

· How Adrain approaches research, and his red and green tag idea

· Brookfield offers a great company as a case study, with a challenging business model to understand

· What Brookfield does?

· What kind of returns has Brookfield generated over the years

You can follow Adrian on Twitter and Stratosphere

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB242: How to Use Dollar Cost Averaging with a Fixed Amount + Defining Goodwill Oct 13, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer four listener questions:

How do you DCA (dollar cost average) into your portfolio with a fixed amount?
What brokers allow you to use fractional or partial shares?
How do you transfer individual stocks to another brokerage?
What are the Dogs of the Dow?
What do we think of Goodwill on the balance sheet?
How to get started with the Sather Research eLetter, Roth IRA vs brokerage account

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Patrick Findaro Joins us to Talk about Franchising and Opportunities for Visas Oct 10, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Patrick Findaro, managing partner of Visa Franchise, along with co-founding Vetted Biz:

Patrick discusses his background and how he started helping people emigrate to the US using the E2 Visa via franchising
He started the Vetted Biz website to help investors learn more about franchising
What kinds of different business models exist outside of restaurants in the franchise model?
What is the process of getting a franchise up and running?
Do the franchise agreements, leases, and visa all match up?
How to analyze franchises, is it different from analyzing equities or stocks?
Pros and cons of investing in franchiese versus stocks

Patrick is offering access to Vetted Biz for six months to the first ten people who email him at Patrick@vettedbiz.com

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

You can find more from Patrick here:

Visa Franchise

Vetted Biz

Today’s show is sponsored by: Shopify

Shopify is a platform designed for anyone to sell anywhere, giving entrepreneurs like myself the resources once reserved for big business - customized for my needs - with a great looking online store that brings my idea to life, and tools to manage my day-to-day and drive sales

Making your idea real opens endless possibilities; it’s a journey but that's the beauty of entrepreneurship

Believe me, this podcast started as a way to teach beginners about investing, and has become my full-time job. Shopify powers millions of entrepreneurs just like me - from first-sale to full-scale.

And every twenty-eight seconds a small business owner makes their first sale on Shopify.

Get started by building and customizing your online store with no coding or design experience.

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IFB241: How to Start Valuing Companies Oct 06, 2022

Welcome to the Investing for Beginners podcast. In today's show, we will answer two listener questions and discuss our thoughts on valuing companies:

· Is it better to pick one or the other of ETFs, S&P 500 or Total Index fund?

· Can we use the VTI to evaluate REITS and how does the Little Package of Valuation work?

· What are our thoughts on valuation.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by: Medcline

As someone who recently struggled with acid reflux after my recent heart attack, I was concerned because the symptoms are similar. And not to mention the struggles to sleep while suffering from acid reflux.

I found something to help you like it's helped me, Medcline.

That's right, whether you suffer from painful nighttime acid reflux, shoulder pain, or both, the MedCline patented pillow system is designed to cushion your body in a sleeping position that is supremely comfortable, doctor-recommended, and clinically proven to provide effective, natural acid reflux or shoulder pain relief and a better night's sleep. In fact, 95% of patients reported an overall improvement in sleep quality when using MedCline.

Now get 20% off when you go to Medcline.com/investing and get a better night's sleep today.

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Farnam Street Investments

You can find the transcript of today's show below:

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Jake Taylor Joins Us to Discuss Value Investing and the Importance of Journaling Oct 03, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Jake Taylor, CEO of Farnam Street Investments and co-host of Value After Hours:

How did Jake get started in the investing world?
How does Jake think about value investing and has his perspective changed over the years?
What are Jake’s thoughts on projecting future results
How to think about base rates
Jake talks about some of his investing mistakes from base rates, and what he learned from those mistakes
Jake’s opinion on DIY investing and how investing information flows learning to deal with those ideas
What the market needs to generate good returns
How Jake uses Journalytic to help him keep track of his investment thought process

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

You can find more from Jake here:

Twitter

Journalytic

Value Investor Hours

Today’s show is sponsored by BetterHelp

BetterHelp is the world's largest therapy service, facilitating over 5,000,000 video sessions, voice calls, chats, and messages every month. BetterHelp set out on a mission to ensure everyone has easy, affordable, and private access to high-quality therapy.

As someone who struggled with mental health earlier in life, therapy helped me better handle my struggles.

If you consider giving therapy a try, BetterHelp is a great option; it's convenient, accessible, affordable, and entirely online.

When you want to be a better problem solver, therapy can get you there. Visit BetterHelp dot com slash INVESTING today to get 10% off your first month.

SUBSCRIBE TO THE SHOW

Contact sales@advertisecast.com to advertise on Investing for Beginners podcast. The Investing for Beginners podcast is part of the Airwave Media podcast network.

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IFB240: Why You Should Avoid Buying the Dip Sep 29, 2022

Welcome to the Investing for Beginners podcast. In today's show, we talk discuss why you should not to buy the dip in the markets:

· Try to avoid expensive stocks

· Avoiding value traps

· The potential of crypto and the minefield that exists in the sector

· Avoid IPOs and SPACs

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Brad Thomas Joins Us to Discuss REITs Sep 26, 2022

Welcome to the Investing for Beginners podcast. In today's show, we talk to Brad Thomas, the leading REIT analysts,

*How Brad started in real estate, and what is a REIT?

*How REITs can provide advantages for individual investors

*How investors can get started investing in REITs

*What areas to look for to take advantage of REITs

*An overview of the REIT sectors

*The Impact of Power Centers and locations + product mix

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB239: Why Time in the Market is More Important Than Timing the Market Sep 22, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer two plus great questions:

· Explaining Fibonacci retracements and why we don't use charting as an investing strategy

· The drawbacks to trying to time the market and holding cash waiting for the perfect opportunity

· How to research companies or industries in emerging markets or industries and the struggles you might encounter

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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You can find the transcript of today's show below:

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I love this podcast because it crushes your dreams and getting rich quick. They got me into reading stats for anything you're tuned in to the Investing for Beginners podcast by Andrew Sather and Dave Ahern with a step-by-step premium investing guide for beginners. Your path to financial freedom starts now.

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Josh Levin of OpenInvest Joins us to Discuss Sustainable Finance Sep 19, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Josh Levin, co-founder and chief strategy officer of OpenInvest:

· How Josh got into sustainable finance

· How his background led him to his career and his love of nature helped spur his desire to create sustainable finance

· How OpenInvest helps drive sustainable finance and the tools they offer

· What kinds of changes he sees coming as a result of technology and how people use their money, particularly in the younger generation.

· His thoughts on the criticism that ESG doesn't make much of an impact and how to reframe the question

· How to get started in sustainable finance

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Contact sales@advertisecast.com to advertise on Investing for Beginners podcast. The Investing for Beginners podcast is part of the Airwave Media podcast network.

I love this podcast because it crushes your dreams and getting rich quick. They got me into reading stats for anything you're tuned in to the Investing for Beginners podcast by Andrew Sather and Dave Ahern with a step-by-step premium investing guide for beginners. Your path to financial freedom starts now.

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IFB238: Using Your 401k Match to It's Fullest, and What is the Best 401k Allocation? Sep 15, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer three great listener questions:

How to get started as a young investor under 18
Should I invest totally in my 401k with 100% stocks, or use a different allocation, if I am under 30?
How to treat your 401k match

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by Medcline:

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Brian Feroldi Discusses the Importance of Quality and Valuation Sep 12, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Brian Ferodli about finding quality companies and the importance of valuation:

· What he sees in the markets today

· How to profit from investments in a way that you can use today.

· The quality filters he uses to find great investments

· The importance of valuation and determining where the company is in their life cycle

· The Importance of potential and finding companies with the potential to grow 5x to 10x

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Shopify is a platform designed for anyone to sell anywhere, giving entrepreneurs like myself the resources once reserved for big business - customized for my needs - with a great-looking online store that brings my idea to life and tools to manage my day-to-day and drive sales.

Go to Shopify.com/beginners to start your FREE trial and get full access to Shopify’s entire suite of features.

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IFB237: The Impact of Proxy Voting and Investing in Money Losing Companies Sep 08, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer some great listener questions:

How do we feel about investing in companies with ESG concerns?
What are our thoughts of investing in precious metals or metals?
How does the Proxy statement work, and voting for our values
How do we deal with companies losing money over a year?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

Today's show is sponsored by:

Allegiance Gold

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Transcript

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Discussing Dividends with DivGro, A Dividend Growth Investor Sep 05, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Ferdi from the DivGro:

How did he get started in dividend investing, and why dividend growth investing?
How does he finds companies to buy, and what his criteria for investments are based on?
The differences between Dividend Aristocrats and Dividend Kings
What kinds of resources does he use to find the best investments
How he handles dividend cuts and portfolio management
The importance of changing your perspective and investigating other approaches

You can find more from Ferdi here:

DivGro Blog

@divgro

FerdiS on Seeking Alpha

Portfolio-insight.com

Ferdi Scheepers on TheStreet.com’s Dividend Strategists:

Today's show is sponsored by:

BetterHelp

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Bird's Eye View of IBM Sep 01, 2022

Welcome to the Investing for Beginners podcast. In today's show, we take a bird's eye view of IBM:

· We talk about the top line or revenue growth of the company

· Next, we discuss the operating margins of IBM

· Andrew and I talk about the different margins of companies, ie. Visa and Costco

· We look at the acquisitions and cash flow statement for IBM

· Final verdict on an investment in IBM

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Nick Maggiulli Joins Us To Talk About Just Keep Buying Aug 29, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Nick Maggiulli, author Of Dollars and Data and the new book: Just Keep Buying:

· What drew him to dollars and data, and why did he start his blog, Of Dollars and Data?

· The impact of fees on long-term results

· How to improve your savings rates and some of the things holding people back from saving more

· Nick discusses the importance of raising your income

· Nick's thoughts on debt, what kind of debt you have, and its impact

· How to flip the narrative and keep investing during downtimes

· The importance of dollar cost averaging or DCA

· How to start investing in your 401k as a younger investor

Today’s show is sponsored by:

BetterHelp

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IFB236: Differences Between ETFs and Mutual Funds, Investing in Companies Beyond Fair Value Aug 25, 2022

Welcome to the Investing for Beginners podcast. In today's show, we answer three great listener questions:

· The differences between investing in mutual funds and ETFs

· Why we advocate for investing in individual stocks

· How to deal with dollar cost averaging into a company that has grown beyond its fair value

· How to start building your portfolio following Andrew's eLetter picks and the importance of a time horizon

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David Stein from Money For the Rest of Us Podcast Discusses Closed-End Funds and Commodities Aug 22, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with David Stein of Money for the Rest of Us podcast, and the book of the same name:

· David explains Closed-End Funds to us

· Differences between open and closed-end funds and ETFs

· The best strategy to invest in closed-end funds

· Good resources to research closed-end funds

· What are the best accounts to use for closed-end funds

· We get David's take on the commodity market

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IFB235: Static Dividend Payers and Risk-Free Rates for Valuation Aug 18, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· What is an average investor or beginner?

· What are our thoughts on Robo-advisors?

· Thoughts on companies that pay a static dividend?

· How do you approach the risk-free rates for valuation models

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Vitaliy Katsenelson Discusses Having Soul in the Game and the Importance of Habits Aug 15, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Vitaliy Katsenelson about his new book, Soul in the Game: The Art of a Meaningful Life

· We ask Vitaliy if he is an investor who writes or a writer who invests.

· What drove him to write this new book?

· Why everyone should write, it helps you think better; plus, as an investor, it acts as a journal concerning your decisions.

· How writing can help you help you change your mind; as you grow, you learn, and writing can help you grow your thinking.

· How to develop better habits, start small.

· How to develop the skill of meditating.

· What he means by "Soul in the Game."

· The importance of Stoic philosophy and how it gives us an operating system for life.

You can learn more about Vitaliy and his investment firm, IMA, here and read all of his articles here.

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Talking About the Importance of KPIs with Braden Denis of Stratosphere Aug 11, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Braden Denis of Stratosphere.io:

· Braden talks about what excites him in the markets currently, including focusing on KPIs (Key Performance Indicators).

· The ability to get started and how much easier today than it was five years ago, with lower fees, better products, and more information available.

· How he uses KPIs to simplify his investment process and use them to track your company's performance.

· Using KPIs to compare companies and the usefulness of the comparisons.

· Creating a simple checklist using KPIs to help them narrow down their investment choices.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB235: Bird's Eye View of Walmart Aug 04, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· A Bird's Eye view of Walmart

· Starting to learn the company via the 10-k; if you understand the business, move on to the rest of the 10-k.

· Focus on the top line growth or revenue growth

· Understanding the process of analyzing a company and using that knowledge to compare it to other companies.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB234: Deciding to Dollar Cost Average into New Ideas or Current Portfolio Jul 28, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· Whole life insurance and how they work as a general rule

· How much should you have for an emergency fund before starting to invest

· How to decide on which ideas to dollar cost average in a portfolio, new investments, or current holdings?

· How quickly should you dollar cost average, should you hold back until market conditions improve?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Talking Real Estate and 401k with Katie Gatti from Money with Katie Jul 21, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Katie Gatti from the Money with Katie podcast and blog.

· The advice that everyone should buy a house is completely wrong, and how she thinks about housing, owning vs. renting

· Deep dive into real estate and how to find something you can comfortably own

· How to start investing in 401k and setting your budget to allow you to succeed early

· How to set up your investment accounts to take advantage of the tax savings

· What are some of the bigger mistakes beginners make with 401ks, and how to avoid them

· Uncovering a Target Date fund and how they work

· Why aren't there more women in finance, and how to change that status

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Creating Retirement Security with James Canole Jul 14, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss retirement planning with James Canole of Root Financial Partners.

Some common misconceptions about retirement planning.
How to plan for having security in your retirement.
How to develop safety or security in your retirement
Avoiding working too long and retiring when you are ready
Does the 4% Rule still apply?

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB233: Analyzing Debt and Cash Flow Using Weber Grill's Financials Jul 07, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss the finer points of debt and cash flow analysis using Weber Grill’s financials.

Breaking Down Weber Grills after their recent IPO
Analyzing the debt of Weber Grill and how you can use it for other companies
How to analyze the cash flow statement
The ideas and concepts behind share-based compensation, the good and the bad.

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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The Importance of Moats with Mark Lamonica of Morningstar Jun 30, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with Mark Lamonica, Head of Individual Research at Morningstar.

· How to invest in today's topsy-turvy markets

· The importance of moats and how to measure them

· The highs and lows of buying the "dip" and some caution are necessary

· How to interpret narratives in investing

· Mark's thoughts on ETFs

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Nugenix Text Beginners 231-231

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IFB232: How to Calculate Price to Sales Plus Interpreting the Ratio Jun 23, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· How do I know if I should max out my Roth IRA?

· Our thoughts on the defense sector and investing in companies like Raytheon, General Dynamics, and Lockheed Martin

· How to calculate Price to Sales ratio

· Our thoughts on the companies Affirm and Carvana

Today's show is sponsored by:

iTrust Capital

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IFB231: Back to the Basics (UPDATED) Jun 16, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss

The importance of compounding and the impact it can have on your returns
How to setup dollar cost averaging and to start the regular habit of continually investing
How diversification can help spread the risk around your portfolio
How to determine what kind of investor you are (DIY, 401k, Want help)
Determining which investment accounts works best for you (Roth, Traditional, Brokerage)

Today's show is sponsored by:

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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Brian Feroldi Talks About Why the Stock Market Always Goes Up Jun 09, 2022

Welcome to the Investing for Beginners podcast. In today's show, we chat with:

· Brian Feroldi, author of “Why Does the Stock Market Go Up?”

· We talk about the lack of financial education and ways to overcome those challenges.

· We discuss the current market conditions today, and how to benefit from them.

· Brian gives a synopsis of the different types of businesses out there, capital returners, capital self-funders, and capital raisers.

· We discuss how to invest in the different types of businesses, plus how to overcome the fear of flying.

Today's show is sponsored by:

Interactive Brokers

iTrust Capital

Nugenix Test Beginners to 231-231

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IFB230: How to Spot and Avoid Value Traps Jun 02, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· How to spot Value Traps and some of the characteristics of companies that might become a value trap.

· Companies who become value traps because they are cheap, and why those types are dangerous.

· Several examples of value traps are Circuit City and Goodyear Tire

· What are some metrics and different items on the financials to look for to avoid value traps

Today's show is sponsored by:

For more insight like this into investing and stock selection for beginners, visit stockmarketpdf.com

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IFB229: How to Deal With Buying and Holding When Our Theory Changes?? May 26, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

· Tracking your profits and losses in your brokerage accounts and the best way to follow those changes.

· What to do when stocks fall, and we are supposed to buy and hold investors?

· How to deal with Mr. Market and Trailing Stops?

Today's show is sponsored by:

Interactive Brokers Use Code Beginners

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IFB228: How to Avoid Dividend Traps + ESPP Plans May 19, 2022

Welcome to the Investing for Beginners podcast. In today's show, we welcome:

· How do ESPP plans work, and what kinds of returns can you expect from those types of employee stock purchase plans.

· How to avoid dividend traps

· A quick look at Cigna's financials and exploring why their dividends have increased

· Alternatives to hedging against the market using leveraged ETFs in a bear market

Today's show is sponsored by:

iTrust Capital

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Eric Balchunas on Fiduciaries, Jack Bogle, and All Things ETFs May 12, 2022

Welcome to the Investing for Beginners podcast. In today's show, we welcome:

Eric Balchunas, the Senior ETF analyst for Bloomberg Intelligence, recently published a fantastic book, The Bogle Effect.
Eric and Andrew discuss what a fiduciary means and how they impact investments, particularly ETFs.
What is passive investing versus active funds, and how has Vanguard disrupted the investing community.
During Bogle's life, Vanguard was not the behemoth it is today; it wasn't until he retired that it became the beast it is today, showcasing Bogle's fiduciary focus and patience
How can investors learn to internalize the buy and hold idea without learning from experience?
The idea of compound interest and how it can move the needle

You can find more of Eric:

@EricBalchunas

Trillions Podcast

ETF IQ on Bloomberg TV

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IFB227: How to Keep Your Spirits Up When the Market is Falling May 05, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

How to stay invested in the markets, even during downtimes, without getting discouraged
How to manage our emotions and control our emotions when we invest
The impact of dividends and the double compounding effect as a result of investing in dividend-paying companies

Today's show is sponsored by:

My First Million

Stratosphere Investing

Interactive Brokers

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Discussing All Things REITs with Chris Volk, former CEO of Store Capital Apr 28, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

Public REITs with Chris Volk, former CEO of two public REITs, including Store Capital (STOR)
What trends appeal to him in the commercial real estate space, and why he likes to focus on business models
How to value REITs using different methods and to focus on business models
His new book, Value Equation, discusses how to build wealth for leaders, entrepreneurs, and investors
The importance of return on equity and the returns REITs generate through dividends and capital appreciation

Today's show is sponsored by:

My First Million

Stratosphere Investing

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IFB226: Unlocking the Different P/E Ratios, Cap-Weighted vs Equal Weighted Indexes, and the Business Development Sector Apr 21, 2022

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

What are the differences between Non-GAAP P/Es, forward P/Es, and trailing P/E ratios?
The differences between equal-weighted and cap-weighted indexes
Exploring the Business Development Industry with shallow looks at several companies, Hercules Capital and Prospect Capital

Today's show is sponsored by:

My First Million

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IFB225: Understanding Different Business Models and Recurring Revenues, Plus A Brief Dive into Retail Furnishings Apr 14, 2022

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IFB224: What Happens to Your Shares In the Event of Big Changes, CEO Leaving, Acquistions, or Other News? Apr 07, 2022

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IFB223: Investing Close to Retirement and REITs 101 Mar 31, 2022

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Learning to Invest with Maj Soueidan of GeoInvesting Mar 24, 2022

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IFB222: Dollar Cost Averaging - What It Is and How to Apply It, Plus How to Analyze High Debt to Equity Companies Mar 17, 2022

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IFB221: Who Are Some of the Best Businesses in the Market? Mar 10, 2022

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Understanding the Market Cycles with Mike Singleton of Invictus Research Mar 03, 2022

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IFB220: Dividend Reinvestment Mechanics and Profiting from the Activision/Microsoft Merger Feb 24, 2022

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Intro to Bitcoin with Simon Belanger of the Canadian Investor Podcast Feb 17, 2022

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How to Deal with Market Volatility with Braden Denis Feb 10, 2022

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IFB219: How an Elevated or Rising Stock Price Helps a Company Feb 03, 2022

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IFB218: How to Get Started Investing When the Market Might Crash Jan 27, 2022

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IFB217: Investing in Carbon Credits and Useful Metrics for Beginners Jan 20, 2022

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IFB216: How to Find Beaten Down or Out of Favor Companies to Analyze Jan 13, 2022

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William Green On Living a Life With Simplicity, Avoiding Complexity, and Eliminating Stupidity Jan 06, 2022

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IFB215: ETFs and Stock Price Impacts, Plus Stock Spinoffs Dec 30, 2021

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Getting Started in the Markets Early with Shamus Madan of MBIT Podcast Dec 23, 2021

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IFB214: Shorting - How to Determine If Your Company Is Shorted and How to Handle Dec 16, 2021

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IFB213: Intrinsic Value for Beginners Dec 09, 2021

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Chris Hutchins of All the Hacks Discusses HSAs, ETF investing, and More Dec 02, 2021

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IFB212: Investing in "Safer" Investments, Picking ETFs and Individual Stocks, and Bond ETFs Nov 25, 2021

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Digging Out of Heavy Debt So You Can Invest More with Chris Grainger Nov 18, 2021

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Why Some Growth Stocks Are Crashing Nov 11, 2021

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Examples of Hard Asset Investing Through REITs and LPs with Eric Schleien Nov 04, 2021

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IFB211: Brokers, Index Funds, and Cash Flow Statements Oct 28, 2021

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Evolution of a Value Investor with Jason Rivera Oct 21, 2021

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Scott Lynn of Masterworks Talks to Us About All Things Art Investing Oct 20, 2021

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IFB210: Student Debt, TQQQ, and DCFs Oct 14, 2021

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Todd Wenning on Sell-Side Analysts and How Company Culture Impacts Investments Oct 07, 2021

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IFB209: Investing the Fantasy Football Pot, Thoughts on Stock Adviser Services Sep 30, 2021

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The Canadian Investor Podcast Share Their Investment Checklist Sep 23, 2021

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IFB208: ETFs and Dividends/Fees, Plus How to Navigate Changes in Financials Sep 16, 2021

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IFB207: Using a ReFi to Invest, Mutual Fund Questions, and Covid Impacts on Certain Industries Sep 09, 2021

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IFB206: Roth vs 401k and Investing With a Margin of Safety Sep 02, 2021

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IFB205: US/CAD Capital Gains, I Bonds, Reversion to the Mean Aug 26, 2021

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The Market Set to Explode with Green Energy with Marin Katusa Aug 19, 2021

Welcome to the Investing for Beginners podcast. In today's show, we discuss:

Talk with Marin Katusa about his views on rare earth metals, gold, and other commodities
We discuss the ideas behind his fantastic book, Rise of America
We talk through the exciting ideas behind carbon credits and how to prosper from them.

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