A fall in the price of stocks is not good news for investors. Sometimes, no one expects it to happen thereby leaving the investor shocked and at a loss. Although you can’t always tell for sure when stock prices are going downhill, some indications serve as warning signs to the investor if he pays attention to them.

Here are eight signs that point to an impending fall in stock prices:

 Company and Industry Earnings Fall 

Company and Industry earnings are determinants of a stock price. When they are high, stock investors enjoy a high stock price. However, when you notice a decline in the company’s earnings, that is an indication of an imminent fall in stock price. When this happens, then maybe it’s time for you to sell your stocks and move on.

Top Executives Sell

You suddenly noticed that the guys at the top are selling out their stocks. These guys are supposed to show the highest loyalty to the company. However, who wants to run a loss. It's all about the money in the fi...

In the grand scheme of things, $1,000 is not a serious amount of money, but it can be quickly turned into a fantastic investment. It would be easy to spend that money on things you don’t really need, but why do that when you can invest it and make a positive impact?

Here are some great ways in which you could invest your $1,000:

#1 Visit the Doctor

If it has been years since you have been in for a physical, now may be the time to do it. It’s not the most exciting way to spend $1,000, but it’s an investment that could potentially save you a small fortune in the future. Prevention is very often the best medicine. There is much money to be protected by staying on top of your health.

#2 Go on an Adventure 

Is there a destination or experience that is on your bucket list that you have yet to check off? Taking some time to have fun can pay off in all manner of different ways, so take that trip or embark on that crazy adventure.

#3 Give a Micro-Loan 

If $1,00...

Your credit report is the biography of your finance. It tells the story of your income and expenditure by detailing your experience with credit cards, loans, and other financial vehicles. A significant number, your credit score, comes from the information in your credit report. Three credit bureaus, Experian, Equifax, and Trans Union each gives you a different credit score based on your financial history. The three scores combined make up your FICO credit score. 

You might be wondering what this means.

Your credit score will determine your ability to make significant financial transactions. When you try to buy a car, purchase a home, take out a loan, apply for a credit card, or apply for a job, your credit score comes to play.  It determines whether you are eligible to buy a house, take a vacation, and make other critical financial decisions. It is, therefore, necessary that your credit score hit a required benchmark, else you won't be able to fare well in life. 

If your credi...

Weddings! It is every girls' dream. It is the one day when she is treated like a princess with her prince charming holding her close. There's hardly a girl who will trade her wedding day for anything in the world.

Most girls have formed images of that day in their minds. Some guys do that too. When asked, most of them reveal that their dream weddings are nothing short of "grand." However, when the time comes to tie the knot, the reality sets in: "we don't always get what we want." Most times, it's because of financial limitations.

While some accept the reality and make do with what they have (such wedding are mostly not the projection of their dreams), others go to the length of taking loans to ensure they have the wedding party they so desire. A lot of them end up paying debts for most of their lives. However, with a few tips provided here, you can get to have your dream wedding without having to put yourself under financial strain. You can have your dream wedding on an afford...

Retirement! Many people talk about it. Many people anticipate it. Fewer people prepare for it. If you're among the few people who have chosen to prepare for it by saving for retirement, you have made the right decision. However, there are a lot of other things you need to consider while saving for retirement. There are many mistakes you could still be making, which would impede you from having your dream post-retirement life. I am about to show you a few powerful saving hacks, which, when applied, will go a long way in helping you travel the world instead of having to work as a Walmart greeter after retirement.

Here are some few mistakes while people save for retirement; avoid them.

Failure to Make Plans: This is the most typical mistake people make while saving for retirement. Many people do not have a definite saving plan. Remember; "If you fail to plan, you plan to fail." The right time to have a saving plan is now. To make that easy, you could contact your employer to ...

 It is not a good thing to be in debt. It feels like being tied down or like carrying a huge load. With each credit purchase, you make, the load gets heavier. You can, however, choose to put down the heavy burden from off your shoulders and live like a free man. You can do it this year if you so wish.

No matter how much you owe, your debts can be settled. You only need a smart plan for resolving them. The best way is to channel all your earnings into paying your debts. You may need to add in a few extra hours. Well, I think it's worth the while; a few extra hours for a lifetime free of debts. Once your debts are paid, you have all your money to yourself to do as you please.

 Here are some tips for being debt-free this year:

 Get a part-time paid job

If you can get a job for a few extra hours, and it pays well, go for it. Let's say you get a job that requires just 4 hours of your time every day, and the pay is $15 per hour, at the end of the month, you'll have about $1,200. Sure y...

Everyone loves the holiday season. We get to relax and let the stress that has to mount up ebb away, spend time with friends and family after demanding work periods, and share goodwill with the people we love. It is, however, quite unfortunate that our minds have been conditioned to believe that we can only do these things best when we exchange elaborate and expensive gifts. Although expensive gifts are lovely, many gift items are not exactly expensive but go a long way in carrying love and goodwill to the receiver. So if you are kind of low on cash this holiday season, do not give up the idea of giving this year. I am here at your rescue with seven great low budget gift ideas.

Gourmet Tea and Coffee

Make a tea or coffee basket, which includes a carefully selected mug, your recipient's favorite flavor of coffee or tea, and other items as desired, which may consist of honey, sweetener sticks, and specialty creamers according to taste. There is nothing more gratifying than an aromat...

Christmas time comes along bringing with it a whole lot of pressures and attention-demanding activities. It is safer to begin planning for the holiday season way ahead of time, say November if you want to avoid the hustle and bustle. This way, there would be less pressure to deal with, and you will have ample time to enjoy the season with your family and loved ones; that is what the season is about in the first place.  

There are a lot of other benefits you would enjoy from planning way ahead of time aside from the extra time you will get with your family. Planning helps you watch out for exclusive holiday time offers by shopping stores, and you will be able to save yourself much cash. You also get to plan out your budget to avoid unnecessary spending carefully. Planning a well-arranged schedule of activities helps you avoid the stress that comes with shopping in the holiday season. Here are some vital tips you need to help you make early plans for Christmas:

Create a Spending Pla...

Watching your children grow is one of the best parts of being a parent. If you want to make it even more fun while providing for their future, put together a savings plan for them. Now might also be an excellent time to start investing for your kids, although it’s probably better to go with a low-risk portfolio in that case. It’s always a good idea to put together a savings and investment plan for your children, as it allows you to become more financially astute as you create a college fund for your kids.

Some options to consider when building a savings plan for your children:

#1 Create a Savings Account

It is about as basic as it gets. You are not going to see a high return on your investment, but it’s a safe place to put money for your kids.

• Before you open a savings account for your kids, be sure to look at the small print so you are aware of fees, minimum deposits, and other rules associated with the account.

• No two banks have the same type of savings accou
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Don't you wish 'magic pills' existed to relieve you of stress, disappointments, pain, guilt, health ailments, and the list goes on and on? I sure do, but I know 'magic pills' don't exist. Whether you're dealing with an adverse health diagnosis, loss of a job or things just may not be where you want them – don't fret, because you are not alone.  

Sadness, if unchecked, can spiral out of control and can lead to depression, robbing you of joy, happiness, peace of mind, and your self- esteem. It is a relationship destroyer and causes havoc on your health that can ultimately kill you!  

My most recent encounter with depression came as a result of my work, as I am a Live-in Advisor to a community of individuals who've run from their abusers. Some of our clients have suffered from sexual abuse to domestic violence or have been victims of sex trafficking.  

One day, after hearing so much trauma from within my workspace, I decided to self-medicate by eating a lot of chocolate. I tho...