Swendstone

03/08/2023

💞 Happy !

As we celebrate this special day, we want to take a moment to recognize the remarkable women in our community who are pursuing their dreams and taking charge of their financial futures through our courses.

We are honored to have such a diverse group of women from all walks of life, who are committed to learning and growing their wealth. We believe that financial education is a powerful tool for empowerment, and we are proud to be a part of your journey.

This day is a reminder to us all that we must continue to support and uplift one another. We are committed to creating an inclusive community that celebrates diversity and provides equal opportunities for all.

To all the women out there, keep pushing, keep striving, and keep inspiring. We are here to support you every step of the way!

www.swendstones.com

03/02/2023

🚩🚩🚩 YOU CAN'T SAVE YOUR WAY TO FINANCIAL FREEDOM!
🚩🚩 Saving money and investing the savings into a passive income, financial instrument guarantees financial wealth & freedom.

Don't Save Money But Invest Money.

02/28/2023

Warren Buffett is regarded as the great investor of all time. Over the last 80 years of investing, he has built a fortune of over US$106 Billion (even after giving a big portion away to Charity) investing in some of the greatest companies in the world.

His methods are not closely guarded secrets, but shared openly in his annual letter to shareholders over the last 57 years.
Key: Investment is the easy way to achieve your financial freedom

02/24/2023

George Soros is a successful investor who has amassed wealth by admitting and fixing his blunders. He is saying that he views his errors not as failures but as learning opportunities. He believes that if you can admit when you're wrong, you can learn from your mistakes and improve your decision-making.

🤔 This means that if you make a poor investment, it's important to understand what went wrong and why. By doing so, you can improve your investment strategy and avoid repeating the same blunders.

For example, if you invest in a stock that goes down in value, you could analyze the company's financials and market trends to see where you went wrong. Perhaps you invested in a company that was in a declining industry or that had too much debt.

The most important lesson to be learned from Soros' statement is that investing mistakes are inevitable, but what matters is how you respond to them. Instead of beating yourself up over a poor investment, seize the opportunity to grow and learn from it.

✅ By recognizing and correcting your mistakes, you can become a better investor and increase your chances of success in the long run.

> > > [ www.swendstones.com ] < < <

12/25/2022

07/18/2022

Charlie Munger is capable of turning down investment ideas very quickly.

In his broad mind, he recognises patterns.

Let's explore qualities that we DO NOT want in our companies:

1) Heavy Customer Concentration

If a customer is responsible for >30% of your company's revenue, it's hard to stay invested.

Ontrak's stock crashed when a core customer left.

Semler Scientific's stock crashed when some customers changed their testing frequency.

2) Huge Debts and Razor-Thin Margins

In bad times, razor-thin margins will be eroded and profits would turn into losses. When a company has no means to service its debt, the risk of bankruptcy is there.

That's how US Airways went bankrupt.

3) High levels of stock-based compensation (SBC)

SBCs are great to create loyalty and build a solid culture. When abused, shareholders are left with nothing.

Peloton's 1Q 2022 SBC was 72.3m against a gross profit of $184.2m.

4) A Management That Overpromises and Underdelivers

If done too many times, the management loses credibility and investors might penalise the company by assigning a lower multiple.

Once trust is lost, it's hard to gain back.

5) Stagnant revenue / profit growth for > 2 years

It's all about having a track record. If a company hasn't been growing under the same leadership for the past 2 years or so, what makes us think it will grow for the next few years?

A leopard never changes its spots.

07/07/2022

These days, whenever I buy lunch, I'm seeing higher prices.

A bowl of noodles is costing me at least $6 now. 😅

The world is hurting because the prices of everything are going up.

Just to speak of a few... transportation, food, housing and travelling. This is caused by a huge spike in the prices of wheat, oil, lumber, copper, shipping, and oil.

It's been half a year since Chairman Jerome Powell said inflation is no longer transitory.

When inflation goes higher, the Federal Reserve in the USA will be forced to raise interest rates. Higher interest rates are bad for stocks in general. It pushes down the valuations of all financial assets.

This is why, not just stocks, the prices of Bitcoin and Ethereum are being halved.

So what progress have we made? Are things improving?

1. The prices of wheat dropped near the price before Russia invaded Ukraine.
2. The WTI Crude price is below US$100 now.
3. The price of lumber is now at $648.40, it's almost 50% down from its highs
4. According to Zillow, the rise in mortgage rates is causing home/rental prices to drop.

In short, the previous interest hikes by the Fed are working. Should these trends continue, we're likely to see lower inflation in the second half of this year.

This means the Fed does not need to raise interest rates further and the economy will be stabilised. Once certainty is restored, growth stocks will likely see a positive rebound.

Here's something else which could hurt us. A recession.

Some of you may wonder, why did oil prices come down? The supply issue is still unresolved. The answer is... the markets are pricing in a recession. During a recession, consumer and industrial demand for oil go down. This is why oil dropped last night.

A recession, although undesirable, could be the pill for the economy to swallow in order to be back on firmer fundamentals.

During these trying times, there are many companies that are able to grow and their valuations are slowly becoming more attractive. Do your due diligence and space out your purchases.

Looking at the history of the USA stock market, there has been no event which prevented its stock market from recovering and making subsequent highs.

With patience, all of us will do fine in the long run.

06/29/2022

While stocks might go down once in a while, good stocks will go up eventually, whereas cash is sure to keep losing value over time.

06/16/2022

China tech stocks are now in a short-term bullish UPTREND. China tech stocks have reversed into a short term uptrend... higher highs and higher lows in price action...20EMA crossed above the 40EMA.

Government stimulus, better than expected economic data and regulatory pullback has likely marked the bottom of China stocks, especially China tech.

While the US is going through monetary tightening (raising rates), China is going through monetary loosening (cutting rates, stimulating economy) so I am not surprised if China stocks actually outperform US stocks this year.

Of course, when the 50MA crossing back above the 150MA (both Moving average sloping up) and price crossing back above 200MA (200MA slopes up) will mark a change in the medium and long term trend to up as well. For now, the short term uptrend paints at least a bullish view for now

06/13/2022

Words from a wise man...

Robert Kiyosaki says…

“if someone talks to you about investing in cryptomarket, do it even if you don't know what it is all about. Be patient and learn the process gradually and relentlessly. Remain there even if it takes you five years to be successful in it because when the benefits begin to flow, you will NEVER be the same person ever again”

Why is it people don't have the patience to hold an investment for 3 years. But they have the patience to go to work for 40 years??

It's also crazy how some people feel that 2-5 years in crypto is a long time to get rich. However don't feel that 40 years at a job is a long time to stay broke.

Change your mindset NOW!
Don't regret joining an amazing opportunity 5 years from now!!

If it takes me 5 years to turn $300 into a million I am pretty happy about that. Its worth the wait.
Do you agree ??