Investing

Is There a Biotechnology Bubble?

Biotech bubbles have been predicted several years ago but nobody seems to care about its existence. This is due to that fact many small biotech companies are actually in the scene monitoring commercial activities of the bigger biotech companies. They simply refused to go public because they didn’t want to be swallowed up the big and powerful companies.

Biotechnology Bubble
Renaissance Capital

Now, biotech stocks are picking up because young pharmaceutical companies are going public, daring the bigger ones. So, it is right time for die hard investors to going for biotech IPOs before the market become another rowdy scene which might eventually end the mad rush as it happens in the years past.

The 46 Best Ways to Save Money

Check out the below list of the 46 best ways to save money.

Best tips on saving money

1. Open a saving account and actually save money in it. Start small just $20 a month but slowly up that to $100 a month to make a nice rainy day fund.

2. Don’t waste money on things you don’t need. Always wait a day before making a big purchase and sleep on it. If you come across an expensive item that you want, write up a report about why you want it, how it will impact your life, etc. Act like you are asking your boss to buy an expensive piece of equipment or something. Then file the report away to be reviewed in a weeks time. After the week is up, re-read the report with the mindset that someone else is asking to borrow money for that reason. If it passes this review, then begin to allocate funds from future paychecks toward it, which could take weeks. By the time all is said and done, if you do buy it, you definitely won’t regret it.

3. Don’t invest in penny stocks or cheap cryptocurrency. They are cheap for a reason and can lose value at any time for no reason.

4. Look at a compound interest tables. Think of it as giving your future self money at a huge discount.

5. Cook your own meals, don’t eat out.

6. Couponing. Clipping coupons works and the savings add up. Just $5 saved a week is $260 a year in extra money.

7. Recycle beer bottles and other cans. If you recycle 20 cans a week that is $1 a week in extra none or $52 a year extra.

8. This is a little risky but try buying limited edition products (games, consoles) and sell when they are sold out. Some fans are hell set on products and will pay a lot for them. Just watch out for the next beanie babies.

9. Print double-sided. Easy way to make your paper last twice as long.

10. Use recycled paper for scrap. When you are done with a sheet save it to write notes on — no need to do anything else.

11. Use old newspapers/ads for food waste (bones, inedible foods).

12. Use three toilet paper tiles and fold it in half to get thickness of six tiles. It feels just like Charmin.

13. When toothpaste/lotion tube is nearly done, cut it open to get everything out,

14. Go to random public events for free pens, post-it notes, and candy.

15. Always check payphones, vending machines (and surrounding area) for left over coins.

16. Use shopping bags as garbage bags.

17. Seal windows with tape or something to prevent heat loss in the winter time.

18. Freeze bread immediately and toast when you need it to prevent mold and early spoilage,

19. Charge your cell phone, tablet, handheld device at work/school,

20. Use credit card with cash-back option and don’t use debit for purchasing. Most cash back programs give you 1% at least back a year plus you are building your credit score.

21. Disassemble old hard drives and take out the magnets for whatever.

22. Exercise without getting gym memberships. Running is great here and you can do it for most of the year.

23. Cancel cable and watch your shows online for free.

24. Cut phone service and get VoIP, find independent service providers and not the mainstream providers.

25. Use your old toothbrushes to scrubbing stuff.

26. Water down juices to get a little more to drink (90% juice, 10% water). Same taste and you save yourself 10% a year.

27. Do your own taxes. Turbotax or similar online programs are only $30 a year and take minimal time to do.

28. Take office supplies from work/school.

29. Ask for bandages/gauze at the doctors.

30. Replace all incandescent light bulbs with CFLs.

31. Flush your toilet only once a day. As they say “If it’s yellow let it mellow, if it’s brown flush it down.”

32. Register all your products, games, electronics, etc. They usually send you promotions for sales, or extended warranty.

33. Sign up for demos and free trails, they might give you a gift on the side, and you can send back the product without the gift. For any of these use a fake email address so they don’t spam your main account.

34. Register for memberships that ask for your birthday, they usually give you free stuff on your birthday, like bagels, coffee, popcorn, etc. Some restaurants let you eat free if you eat with a group of people, just need to show ID. Again always use a fake email address.

35. If you have a kid and need something to do bring them to McDonald’s and ask for the treat of the week. It’s usually cookies or a ruler. If you can, get yourself napkins and salt/pepper/vinegar/ketchup/mayonnaise packages while there.

36. Use the free Wifi at Starbucks and other restaurants if you don’t have internet at home.

37. Buy the generic “no name brand” alternative where possible, including medicine.

38. Keep all receipts for tax purposes, or for surveys that can win you prizes or a discount the next time you visit. Both Dunkin Doughnuts and McDonalds have surveys on most of their receipts which give you free food as a return.

39. If you have “dead” batteries, you can probably use them to power a clock for at least a week. Throw “dead” batteries in the freezer for a few hours, they might work for another hour or so.

40. Save power by setting computer to Power Saving mode instead of Balanced/High Performance, set screen to power off after 5 minutes or whatever, set hard drive to sleep after 5 minutes or whatever, turn down monitor brightness as much as you can. This probably won’t help much but depending on your setup could save you a couple of dollars a month and prolong your monitors life.

41. Borrow books from libraries or view them on Google Books (or download them somewhere), read books at your local bookstore and leave without buying it, and of course don’t buy bookmarks, use something like a receipt or something.

42. Shop at early morning or late at night to save time waiting in line or avoid crowds.

43. Hand wash your clothes and air-dry them. This will save you money and lower your electricity bill.

44. Never borrow money to buy something. If you want something save up to buy it first.

45. Never buy junk food. It is bad for health, has no nutritional value, and is often over priced especially if brand name.

46. Save as much as you can. And you can always save more. Go ahead right now and up your 401k contribution by another percentage point. You won’t even notice the difference in your paycheck but you will see the growth in your retirement account.

Graphic: Top S & P 500 Sectors by Annualized Five Year Return

How has the five year bull market treated you?

Check out the graphic below of the top sectors based on annualized 5-year return. Consumer discretionary has been killing it with a 33.48% return. Can it keep that up or should you look to the utilities sector which has lagged its peers with just a measly 15.72% return for the same period.

Image via @FaireGlobalLLC

Best Finance and Investing Apps

Now we can stay in touch with our day-to-day financial investment activities anywhere and anytime because of our powerful feature oriented smartphones. It is seen that investors use smartphones to take care of their investments time-to-time due to availability of information on mobile devices, especially the valuable information found in finance and investment applications. These investment apps are very handy to use for both novice and experienced investors.

investingapps

By working on these apps, you can draw stock charts, maintain virtual portfolio and get necessary live stock prices on your smartphones or tablets at a click. Many of these finance and investment apps can be downloaded for free but for some you may have to shed a little money. Some of the apps are listed here that may help you to manage your finances efficiently and effectively.

  • ChartIQ Practice Trading Simulator:This app is available on iPad and costs around $1.99. By using this app you can choose a market scenario like a trending market and can analysis several charts which can make you accustom in the different trading environments.
  • FRED Economic Data: – This app which is downloaded from app stores for free is available on iPhone, iPad and Android. It is very useful for those customers who are unaware of Federal Reserve Economic Data.
  • Chaikin Power Tools: – This app is available on iPhone for trading and market watching. Marc Chaikin, a stock market expert, developed this app which aims at providing all the necessary financial information needed by an investor for buying and selling of stocks. Both stock as well as options trading is supported on this app with relevant real time alerts of various news stories.
  • ABUKAI Expenses: – ABUKAI is a great app which helps you to track and manage all your expenses for a financial venture. This app can be downloaded from Android market, Apple’s app store and Blackberry’s AppWorld.
  • PageOnce Money & Bills: – PageOnce, another famous app, provides finance services to the investors on mobile. According to market trends the demand for this app has increased by 300% in the last one year. It helps you to manage your finance account on your phone in one location by delivering a complete overview of cash, investment, due payment and credit card transactions.
  • WikInvest Portfolio Manager: – This app is available on a number of platforms like iPhone, iPad, Android, Blackberry and Windows Phone 7 and can be downloaded for free from various app stores. By using this app you can pull your account related information from anywhere and can manage your portfolio’s performance with time.
  • CNBC Real-Time: – This app can be downloaded for iPhone, iPad and Android for free. This app make you visualize the real-time data and provide you with live quotes for future market.
  • uValue: – Aswath Damodaran, stern valuation guru, designed this app for valuation modeling on iPad.

This represents a very short list of apps. There are many more available in the market which you can consider to enhance your investment options.

The 30 Greatest Investing Lessons from 30 Rock

30 Rock was one of those great shows that comes around once every ten years or so with the perfect amount of awesomeness, guaranteeing it to be amazing. Asics Gel Lyte Pas Cher But low and behold, there are only so many liberal New York Democrats in the world to watch it, and its rating has been in the crapper. So after seven long seasons it is sadly coming to an end. 30 Rock has taught us a lot during it’s run, most important being:

live every week like its investing week“Live every week like it’s shark week”

However that isn’t the most important life lesson this show should leave you with. Even though it will soon be leaving the air it can still leave behind thirty of the greatest and easiest to follow financial and investing lessons you need to succeed in life. If you don’t read on you might end up just like Liz Lemon and who wants that? However if you read on you too can climb the corporate ladder in life and one day be a Jack Donaghy and maybe even have that penthouse office complete with a bathroom door that looks like a wall. 1. Yeezy Boost 350 Donna Never keep more cash than you need in a bank account. If you are lucky you will earn 1% tops. Most likely you will only earn .1%. Do yourself a favor and don’t pull a Liz. Liz lemon investing 2. Making money and saving it too is very important. Liz Lemon: Alright, I need my job back but this is not crawling, this is proud begging like those kids that dance on the subway. Jack Donaghy: Of course you can have your job back, Lemon. Liz Lemon: Oh thank god! It was terrible. I went to her apartment. I don’t think she has a toilet! I saw my future, Jack. Jack Donaghy: Never go with a hippie to a second location. [hands Lemon a glass of wine] Liz Lemon: [sighs] I can’t end up like that. I have gotta make money and save it. And I have to do that thing that rich people do where they turn money into *more* money. Can you teach me how to do that? Jack Donaghy: With my eyes closed. Liz Lemon: Oh good, because I want to send Rosemary $400 a month for… forever. Jack Donaghy: You should, that woman is unemployable. 3. Being rich allows you to do the things you want in life no matter how old you get. Liz Lemon: Rosemary said that women become obsolete in this business when there’s no one left that wants to see them naked. Jack Donaghy: You make enough money, you can pay people to look at you naked. 4. air max pas cher and 5. Don’t keep all your savings in a coffee can, and don’t invest in unstable currencies. Jack Donaghy: Kenneth, just how much money do you have in your savings? Kenneth Parcell: Well, let’s see! [Kenneth reaches down and picks up a coffee can filled with cash] Kenneth Parcell: Eighty thousand dollars! Jack Donaghy: If you don’t include Confederate money. Kenneth Parcell: Four thousand dollars! 6. Investments in houses can often turn into money pits or money sinks. Tracy Jordan: I’ve poured more cash into Donald’s restaurant than my money pit in Connecticut. Jack Donaghy: You have a house in Connecticut? Tracy Jordan: No, I do not. fjallraven kanken 7. If you have lots of money feel free to share it to keep everyone happy. Liz Lemon: Guys! Guys, I’m not going to keep it. I’m going to take this money and open a tab for all of you after work at hurley’s. 8. Sometimes opportunities for making money only exist for a short time. Tracy Jordan: Your teeth. You got to think like these strippers, Lemon. They know the window of opportunity is only open for a moment. You got to get in while you’re young, get the money, and get out. 9. Many places don’t accept bills greater than $50 so you are better off taking out smaller bills from ATMs. Liz Lemon: Oh this is so annoying. I just went down to the ATM to get money and it gave me a $100 bill. Liz Lemon: It’s like having confederate money. no one’s gonna take that. 10. Sometimes marriages can result in unforeseen costs if it doesn’t all work out. Jack Donaghy: Yeah, that was her engagement ring. Uh, you know, l took the money from the sale of those pieces, and l bought a sailboat. And l named it after my ex-wife, and l sank it. Nike Roshe One Uomo 11. It’s best to keep friendship about being friends and not about making money. Liz Lemon: You tried to take advantage of our friendship to make money. Jack Donaghy: I don’t need you to make money. In fact, I’m meeting with your replacement tonight. 12. This is called the freeloading principle. It also works great for holiday donations and going away gift pools for coworkers. Pete: Good stuff, listen. every Christmas, i collect money from the staff and give it to the cleaning ladies. Pete: She does this every year. she doesn’t give the money because she knows that the card says ”from the cast and writers of t.g.s.” and she’ll get credit for it anyway. I should make up new cards that say ”happy holidays from everyone except Jenna”. But that would require me to have some remaining life force, Danny. So I’m going to go have a drink alone at the oyster bar. Pete: For the most wonderful reason of all. Christmas vengeance. Jenna will finally be punished for all the times I had to pay her share of the money for the cleaning ladies. 13. Cameo Matt Lauer has this gem on how to save money when traveling: Matt Lauer: If you want to save money on the trip, consider taking a sandwich. 14. Always be looking for new opportunities to make money. Nancy Donovan: well, there’s no money, jack. if i can get some cash out of this place, then i can start a new life. buy a condo in marina bay. open a store for red-headed girls to buy cosmetics from someone who understands. 15. Watch out for relatives who might just use you for money. Jenna: This isn’t a relationship. This is some woman who shows up every couple of years to ask for money. To her, I’m just a gorgeous, naturally blonde ATM. Jenna: But when I wanted to sing a duet in a mother-daughter pageant, she blew it off because there was no prize money. 16. Be careful what websites or TV shows you consult for financial advice. Liz Lemon: No, C.N.B.C. gives me a headache. I get all my money advice from P.B.S. 17. Sometimes both choices have their advantages when it comes to investing. So always keep the portfolio approach in mind and never invest more than 15% of your money into any one industry or company. TV: Where should I put my money? In tech stocks? Or the housing market? Liz Lemon: Tech stocks, foxy moneybags! Tech stocks! 18. Be wary of any company that generates a large percentage of its profit from just one product. Dave Hess: But do you know how much of our profit comes from men ordering adult movies? 91 percent. They churn this stuff out, people at home push a button, and we make money off it. We don’t do anything.

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  19. Sometimes in life you just have to do a job for the check no matter how hard it can be to do it. Jack Donaghy: Of course. I apologize. Verna, you have a very simple decision to make. Quit, don’t get paid, and drive around with one headlight out, or swallow your pride and get the money you need tomorrow. 20. If you are moving for a job be sure they give you money to cover your expenses. Pete: Well, you start in two weeks. And they’ll give you some moving money to help you get to L.A. 21. Sometimes being the most expensive person on your office’s payroll isn’t the best thing. Jenna: A line item budget! Ooooh. Nike Air Max 2017 Dames zwart O love this! It takes people and turns them into amounts of money. Except for Tracy, I’m the most person on the show. 22. When planning your estate consider donating some of your money to charity or to your church. This will make you feel better about yourself and might even grant you special powers. Jack Donaghy: [to video camera] As you go through life, I will always be here for you through these tapes. Also, I have given a great deal of money to the Catholic church, and have been assured that I will have certain powers in heaven. Sending you messages through animals, for instance. In the unlikely event that you encounter something that is not covered here, find a woman named Elizabeth Lemon, get her advice… and then do the opposite. 23. Don’t trick yourself into thinking you are richer than you are. Liz Lemon: My memory has Seinfeld money. 24. adidas superstar Always watch your spending. watch your spending Dotcom 30 Rock

Shout out to Kevin Brown (@dotcom30rock) he saw Tracy’s spending habits first hand. 25. Watch out for scams. Make sure all investments seem logical and sound before investing in them. Kenneth: They do need help. And with enough money they could buy those magic beans from that old hermit! We’d be rich! Hang on. Nike Air Max 2016 Dames Rood Why isn’t the hermit rich? Oh wait. He is. He has a lot of friends. 26. Stealing is always wrong even if it is from a big corporation. Jenna: Well, here’s your cut. [hands kenneth money] We’re not hurting anybody. Carvel’s got plenty of money. 27. Being a Teacher isn’t a very lucrative career choice. Jack Donaghy: Letting morality get in the way of making money. I might as well go and… [whispers] be a teacher. 28. and 29. Bosses steal and employees extort. Jack Donaghy: Who the hell do you think you are? [stops elevator] This is not the way the world works, Kenneth. Bosses steal and employees use it for leverage. So what do you want? Money? A promotion? I can get you into a restaurant where you watch a child play with a bunny, then you eat the bunny. 30. Most importantly money can make you very happy. money cant buy happiness it is happiness Money can’t buy happiness. It is happiness.