UMA OPINIÃO BAMBA!

UMA OPINIÃO BAMBA!

Textos Interessantes e Curiosidades, Humor, Seinfeld, Política, Economia, Negócios, SPFC, Esportes, próprios ou não, mas sempre dando o devido crédito. Ou não?

quarta-feira, 30 de julho de 2014

The Decision That Helped Make Me A Millionaire Before Age 40



The Decision That Helped Make Me A Millionaire Before Age 40


Read more: http://www.dailyworth.com/posts/2791-how-to-become-a-millionaire-on-your-own/#ixzz390DltRpf



woman reading in front of water

Sean Gallup/Getty Images

Like any typical child, my mother received an allowance from her father. But unlike a typical child, she received that allowance into her 60’s. He stopped writing her checks only when he died. My mother received financial support from her father because as a teacher and divorced mother of two, she could not make ends meet on her own. Her teacher’s salary alone didn’t cover the kind of lifestyle she wanted to live.

My mother divorced my father when I was four. Then my mother and stepfather divorced when I was 10. There was no man in the house for a few months and soon thereafter came the string of boyfriends.

Of all my mother’s boyfriends, I remember Robert the most. My mother seemed to feel proud and privileged to be his girlfriend. He was older and wealthier than any other man she had dated.

Robert was a handsome, highly paid marketing executive with a major Pennsylvania department store who drank dry martinis, wore Italian sports coats and drove a Datsun 280zx. He was separated from his wife who lived in Florida. 

My brother and I assumed he would eventually get a divorce and move in with us. After Robert bought me a tan, corduroy suit for my piano recital (it was considered very stylish for the early 80’s), I imagined all the clothes he could afford to buy me as gifts.  

When Robert was diagnosed with cancer, he moved back to Florida with his wife and children to die. My mother told me after his death that he had “abandoned” her. I was only 14 and felt confused by the choice of words she used to describe her pain. She could have said she was “sad” or “lonely” but instead she used the word “abandon.”

I looked the word up in the dictionary and it meant that Robert had “ceased to support” her. I decided that I would never put myself in such a vulnerable, helpless situation and from that point on, vowed to support myself (with or without a man). 

My grandparents on my father’s side were poor. I was 24 when my paternal grandmother died, and she left me $1,600. Although I wanted to spend that windfall on things that most young women like to spend money on (such as clothes and shoes), I knew I needed to begin investing for my future. I was currently employed but had already been laid off twice and concluded that I couldn’t count on a man or a job to provide financial stability. I had to build a financial cushion myself.

In thinking about whether I would save or invest that $1,600, there was only one clear choice: invest in the stock market. I recalled an eye-opening chart presented by Wharton Professor Jeremy Siegel when I was studying finance that demonstrated that over the long run (despite its short term risk of going down) the stock market generated higher returns than other asset classes, such as bonds or certificates of deposit (CDs). Since I was in my mid-20′s, I had quite a long time horizon and knew that stocks were the place I wanted to invest my cash.

The decision I made to invest that $1,600 (not merely save it) was the most important wealth-building decision I made in my life. It is the reason I became a millionaire before I turned 40, a feat that would not have been possible had I chosen to keep that money in the bank. 

That’s why I feel sad when I read articles about the large numbers of millennials who are shunning the stock market and keeping their money in cash. It’s a mathematical fact that you can’t grow your money by keeping it in a mattress or in a bank account earning close to zero percent. But according to a recent Wells Fargo study, only half of millennial women agree that the stock market is the best place to invest for retirement and only nine percent are saving at least one-tenth of their income.   

I’m doing my part to change that trend. If I can inspire just one more percent of women to not only save more of their income — but to invest it in the stock market — imagine the millions of dollars of wealth that we as women can build on our own.

Was it easy to go from $1,600 to $1 million in just 15 years? Did I get lucky on one stock pick that doubled in value every year? Of course not. I had to regularly add money I earned at work to my brokerage and retirement accounts. It wasn’t easy, but it also wasn’t as hard as you might think. 

In my book, “Every Woman Should Know Her Options: Invest Your Way to Financial Empowerment,” I explain the decisions and trade-offs I made regarding spending, adopting a frugal lifestyle, forgoing graduate school (because I didn’t want to take on more student loan debt), renting instead of buying, and delaying marriage and family.

The major benefit of the book is that women get the opportunity to learn from my two decades of investing experience in language and through examples that resonate with women. 

The path to financial empowerment can be a long and bumpy road, but you can do it — with or without a husband or partner. There is no better time to start investing than the present, no matter what your age. And you don’t need lots of money to start. If you have an employer-sponsored retirement plan, contribute to it. If you don’t, open a self-directed IRA.

Don’t let your fear of making poor decisions with your money stop you. When you invest, sometimes you make money and sometimes you lose it. But if you start early, make contributions a regular habit, and stay in it for the long term, you might just end up a millionaire. 



Read more: http://www.dailyworth.com/posts/2791-how-to-become-a-millionaire-on-your-own/#ixzz390DOBfEr

quarta-feira, 2 de julho de 2014

Gigantes McDonald’s, Taco Bell e KFC na lanterna em pesquisa com americanos sobre fast-food



Gigantes McDonald’s, Taco Bell e KFC na lanterna em pesquisa com americanos sobre fast-food

In-N-Out-Burger ganha votação da melhor rede de hambúrgueres, e o Chick-fil-A na categoria ‘frango’

POR 


Read more: http://oglobo.globo.com/economia/negocios/gigantes-mcdonalds-taco-bell-kfc-na-lanterna-em-pesquisa-com-americanos-sobre-fast-food-13103885#ixzz36MTK0dXl

Sanduíche da Chick-fil-A no Kentucky - Luke Sharrett / Bloomberg News

LOS ANGELES - Os reis do fast-food americano McDonald’s, Taco Bell e KFC, estão se expandido pelo mundo mas, nos Estados Unidos, estão perdendo em preferência para o In-N-Out Burger, o Chipotle Mexican Grill e o Chick-fil-A. É o que mostra pesquisa sobre o segmento divulgada pela revista “Consumer Reports” nesta quarta-feira, cujo resultado colocou a regional In-N-Out-Burger como a melhor cadeia de hambúrgueres, pelos critérios de qualidade da comida, preço e serviço.

Já em cadeia de comida mexicana, o Rubio’s ficou em primeiro lugar, seguida do Chipotle, enquanto o Chick-fil-A ficou no topo entre cadeias de frango.

O resultado se confirma com os balanços de vendas verificados na maioria das maiores redes de fast-food, que estão lutando para encontrar a receita certa para atrair mais jovens americanos cada vez mais em busca de alimentação mais freca e saudável.

— Mais e mais a qualidade, e não só o preço baixo, está crescendo como um fator de decisão para muitos americanos — comenta Tod Marks, editor sênior de projetos para a revista.

Marks afirma que o resultado da votação, que teve a participação de 32.405 assinantes, um sinal de alerta para a indústria:

— Nossa pesquisa claramente mostra que os grandes precisam reagir.

Os restaurantes especializados em hambúrguer que ficaram no topo foram o In-N-Out Burger, The Habit Burger Grill e Culver’s. O McDonald’s, a maior rede do mundo, mas que fica para trás quando se leva em conta o sabor, acabou atrás de 20 outras, incluindo Jack in the Box, Wendy’s e Burger King.

A Taco Bell, da Yum Brands, que incrementou as vendas nos Estados Unidos com o lançamento do Doritos Locos Tacos e de opções de café da manhã, ficou em oitavo lugar entre cadeias mexicanas, atrás do Rubio’s do Chipotle e do Qdoba.

O KFC também ficou no oitavo lugar na categoria de restaurantes especializados em frango, atrás do Chick-fil-A, do Boston Market e do El Pollo Loco.

Entre as redes de pizza, a Papa Murphy’s saiu na frente dos rivais Papa John’s e da Domino’s. Na categoria sanduíche, o ranking foi liderado pela rede de cachorro quente Portillo’s, seguida da Jason’s Deli e da Firehouse Subs. E, em comida asiática, venceu a votação o Pei Wei Asian Diner.

Restaurante do In-N-Out Burger em Los Angeles - Susan Goldman / Bloomberg News

O Chick-fil-A, que causou polêmica com sua postura contrária ao casamento gay, também venceu nas categorias de serviço e limpeza. A Del Taco ficou em primeiro lugar na categoria “mais pelo seu dinheiro”. A Subway foi a primeira na categoria “escolhas saudáveis”, seguida pela Jason’s Deli e pela Panera Bread.

Na categoria “comidas para temer”, ou seja, de alimentos nada saudáveis, a “Consumer Reports” elegeu o sanduíche Sweet Thai Chili Pork, da Firehouse Subs, que tem 1.541 calorias, 95 gramas de gordura e 3.458 miligramas de sódio. A dieta para um dia inteiro recomendada nos Estados Unidos é de até 2 mil calorias, 65 gramas de gordura e 2.300 miligramas de sódio. O Sweet Thai Chili Pork leva carne de porco, pimenta, queijo, molho doce tailandês, entre outros ingredientes.



Read more: http://oglobo.globo.com/economia/negocios/gigantes-mcdonalds-taco-bell-kfc-na-lanterna-em-pesquisa-com-americanos-sobre-fast-food-13103885#ixzz36MS0hVE2