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Tag: Financial Freedom
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How Margin of Safety Separates Investors from Speculators
The difference between being labeled an investor or a speculator often comes down to one principle: margin of safety. According to Benjamin Graham in The Intelligent Investor, an investor is someone who conducts operations based on thorough analysis, with a goal of preserving capital and earning an adequate return. By contrast, a speculator typically ignores the underlying… Read more
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How to Start Investing with Just $5
Getting started in the stock market can feel intimidating. I still remember the first time I logged into my Schwab account. I had a few shares of ExxonMobil that my grandfather had gifted me—he worked there for most of his professional life—and some money in a mutual fund. But when I opened that account, all… Read more
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How to Use Relative Valuation Metrics to Screen, Compare, and Evaluate Stocks Effectively
Relative valuation metrics can be powerful tools for screening companies, comparing a company to its past performance, and assessing it against its competitors. Let’s explore how to effectively use these metrics in each of these contexts. When screening for potential investments, online screeners like Finviz.com can be invaluable. These tools allow us to filter companies… Read more
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Understanding Business Valuation Methods: Book Value, DCF, and Relative Valuation
Exploring Valuation Techniques: A Beginner’s Guide This week, I’m starting some free online classes by Professor Damodaran, a renowned valuation expert at the Stern School of Business, NYU. These classes are open to anyone and offer a wealth of knowledge on understanding the value of a business. I plan to incorporate valuation techniques into my… Read more
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Can We Really Beat the Market?
Indexing vs. Enterprising Investing: My Takeaway from The Intelligent Investor Over the past couple of months, I’ve been reading The Intelligent Investor by Benjamin Graham. One theme that keeps coming up is Graham’s back-and-forth stance on whether investors should become “enterprising” or simply stick with indexing. Let’s define both terms before diving deeper. An enterprising… Read more
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When to Sell a Stock: 3 Smart Rules Every Investor Should Follow
In early April 2025, we experienced the biggest market downturn since 2020. When markets drop like this, many investors start asking: when should I sell a stock?Most beginner investing guides focus on how and when to buy stocks — but knowing when to sell a stock is just as important, and often much tougher. In… Read more
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What to do as a New Investor When the Stock Market Crashes
Investing in a Bear Market Last week, on Thursday and Friday (April 7–8, 2025), we saw the worst market selloff since 2020. For context, these sharp drops were driven by uncertainty around tariffs and their potential economic impact. If you’re a newer investor, you might be asking yourself: Should I sell? Were my investment choices… Read more
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Why I Passed on Investing in Apple as a New Investor
Apple as an Investment: A Deep Dive Apple is a company that almost everyone has heard of. It’s nearly impossible to go through a day without interacting with an Apple product. With the iPhone being one of the most popular smartphones globally, Apple holds a 27% market share in mobile devices. While this is a… Read more
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Are Dividend Stocks the Best Kind of Stocks?
Why Dividend Investing is Best for the Long Term Dividend investing is one of the most reliable strategies for building long-term wealth. Not only do dividends provide a steady income stream, but reinvesting them can also significantly accelerate portfolio growth. In this post, we’ll explore what dividends are, how to harness their power, and why… Read more