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Americans Prefer This Investment Opposed To Stocks

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Americans Prefer This Investment Opposed To Stocks

A recent report has revealed that people would rather invest their money over the long term in real estate and cash over other investment types, including stocks.  

Loss of confidence in stocks

A survey that Bank Rate recently conducted has revealed some concerning results.

The report asked people where they would invest their money that they do not need for ten years or more.

real estate and cash 1

The results show that 25% of Americans would spend their money in real estate, and 23% would invest their money in cash.

This is concerning because capital investments are safe for short-term investments but have yield low returns when invested for extended periods of time.

Real estate is a good long-term investment, however; it is the older generation who are investing in real estate.

People ages 18-25 are keeping their money in cash.

The stock markets may have been facing a period of extreme volatility recently; however, investors have still managed to achieve plenty of positive returns.

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The lack of confidence in the stock markets as a viable investment choice could be detrimental to the market’s ability to achieve their long-term goals.

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Why are stocks necessary?

Movements in the equity markets can have a significant effect on the economy.

A crash in the markets can trigger a recession, although this is not always the case.

The stock market affects the economy in the following ways:

  • Individual wealth
  • pension funds
  • investor confidence
  • ability to gain finance
  • bond yields

The state of the stock market can significantly influence the confidence in not only businesses, but also consumers.

However, this relationship also works the other way round.

During bull markets, firms and consumers feel confident spending money, and this boosts the markets.

Consequently, during a bear market (or the threat of one) businesses and consumers are more likely to be careful with their money.

Currently, the markets are doing well, so why are Americans not investing in them?

Why are people avoiding the stock market?

The current bull market has been going strong since 2009, and yet there continues to be little confidence in the stock exchange.

One potential reason for this could be the effect the dot-com bubble had on investor’s finances in 2000, followed by the financial crash in 2008.

Other possible reasons people do not invest in the stock market include:

  • They believe they cannot afford to
  • they wouldn’t know where to begin
  • distrust in the stock market

What should you consider before you invest?

You should not start to invest in stocks without first learning as much as you can about the stock market.

As well as learning about the markets, you should also determine your financial situation.

You will need to take careful consideration to ensuring you have enough to cover any debt as well as an emergency fund to assist in unforeseen circumstances such as job losses.

It is also helpful if you plan your investments.

You should consider why you are investing.

If you have a goal, then you are more likely to remain focus and succeed.

Conclusion

A recent study revealed that Americans are more likely to invest their money long term in real estate or cash.

Investing in real estate is a sensible long-term investment; however investing in cash is usually only suitable for short-term investments due to low return yields.

Despite the stock market recently showing incredible resilience despite the markets being volatile, Americans continue to have little confidence in the equity markets.

The economies linked to the economy and a stock market crash has the potential to trigger a recession.

Bull markets spark confidence in businesses and consumers while bear markets cause consumers and businesses to be more frugal.

We are currently in a bull market and have been since 2009.

There are many reasons that Americans may be avoiding the stock markets; these include being deterred from past stock market crashes, inability to afford to invest, unsure where to start, distrust of the stock exchange.

Anyone who is considering investing in the stock market should learn about how it works.

It is also important to look at your finances, paying close attention to any debts and ensuring you have provisions saved in the case of any emergencies that may occur.

Finally, it would be helpful if you draw up a plan that details what you are hoping to achieve by investing in the stock market.

A program will not only help you to remain in focus, but it will also help you to succeed.

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Business

RetailMeNot’s Five to Buy in February

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RetailMeNot's Five to Buy in February
Image via Shutterstock

The wintry temps may make you cold, but February deals are sure to warm your heart. It’s not only a great time to shower your valentine with roses and gifts, but it’s a great time to make other smart and timely purchases as well.

The shopping and trends expert for RetailMeNot, Sara Skirboll, agrees. “With the biggest football game of the year, Valentine’s Day and Presidents Day on the horizon, retailers will offer tremendous savings on a variety of categories — from TVs and TV dinners to all of your Valentine’s Day needs.

1. Play Cupid

With Valentine’s Day this month, shoppers might be struggling to find the right present that symbolizes their love. You can never go wrong with a customized gift made especially for them. This month, shoppers looking to go the extra mile for their loved one will save an average of 40% on items like personalized photo albums, picture frames, wall art and more. You name it, they make it — and just because it’s customized doesn’t mean it will break the bank. Turn to retailers like Shutterfly who is offering a RetailMeNot exclusive for 28% off your regular priced purchase.

2. Ding-Dong Deals

While some might make dinner reservations at the fanciest restaurant in town, many will opt to eat at home. Those who do can take advantage of special promotions and discounts. In fact, diners can save an average of 30% off all month long, so be sure to search the food delivery deals from RetailMeNot. Right now, DoorDash is offering 25% off your first purchase and Postmates is offering $15 delivery credit for existing users.

3. Flower Power

Everything’s coming up roses! According to a recent RetailMeNot survey, 46% of shoppers plan to buy flowers for Valentine’s Day this year, up from 34% in 2019. Many florists will be offering promotions and discounts to help shoppers prepare for the holiday. This year, retailers like 1800Flowers are having up to 40% off flowers & gifts and FTD is offering a RetailMeNot exclusive offer for 20% off sitewide.

4. Get Your Game On

Attention sports fans: Discounts on electronics are not strictly reserved for Black Friday! In fact, February is the second-cheapest time of year to buy a new TV. With the big game right around the corner and March Madness close behind, manufacturers will use those big-time events to highlight big savings on big-screen sets. Another reason for the markdowns is that new models will be released next month, so retailers will be looking to make room for new inventory. Shoppers in the market for a new TV should head to Samsung where they can get 10% cash back with RetailMeNot, and Best Buy where they can find up to 64% off clearance items.

5. Meet Your (Price) Match

Life can easily get in the way of finding “the one,” but online dating sites and convenient mobile apps are here to help. Those looking for love are in luck: Dating sites can offer up to 75% off enrollment fees to encourage singles to put themselves out there. Dating sites like eHarmony are offering 35% off all subscriptions and OkCupid is offering free membership.

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Arts

Shutterstock Announced as Official Photographer of the 2020 EE British Academy Film Awards

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shutterstock 2020 EE British Academy Film Awards
Shutterstock Announced as Official Photographer of the 2020 EE British Academy Film Awards (Photo: PR Newswire)

Shutterstock, Inc., a leading global technology company offering a creative platform for high-quality content, tools and services, today announced that it has been renewed as the official photographer of the 2020 EE British Academy Film Awards, which recognizes the very best in film over the past year. As the official photographer of the show on Sunday, February 2nd, Shutterstock’s on-site entertainment photographers, editors and engineering team will deliver exclusive high-quality images from the event at the Royal Albert Hall in London to the world in less than one minute from the image being taken.

Shutterstock’s editorial team captures, edits and distributes celebrity portraits and candid images leveraging proprietary software optimized for speed to market. As the moments from the red carpet, inside the awards show, and at the after-parties are captured, Shutterstock’s team makes lightning-fast crops and edits and transmits them directly to the desks of photo editors, writers and media. This speed-to-market empowers Shutterstock’s editorial customers to keep up with today’s fast news cycle to quickly deliver their news stories.

“We are pleased to continue our long-standing relationship with BAFTA, an arts charity whose purpose of celebrating and supporting the best work and talent in film, games and television is closely aligned with Shutterstock’s,” said Candice Murray, Vice President of Editorial at Shutterstock. “As a company whose passion is rooted in creativity, it is always an honor to be selected to shoot and share these unique moments recognizing the industry’s top creatives from around the world at the BAFTAs.”

“Shutterstock is best equipped to provide the world’s media with high-quality images of our awards ceremonies and year-round program through their advanced creative platform,” said Claire Rees, Photography Director for British Academy of Film and Television Arts. “Our partnership has grown over the years and as Shutterstock’s technology and service continue to evolve, we continue to see greater results in amplifying the mission of BAFTA around the world.”

Shutterstock’s annual partnership with BAFTA, a world-leading independent arts charity, originated in 2013 and includes editorial photography coverage of the Television Craft Awards, Games Awards, Television Awards, Young Game Designers Competition, Scotland Awards, Cymru Awards and Children’s Awards.

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Business

Amazon Profits Surge as Investment in Faster Shipping Pays Off

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Amazon Profits Surge as Investment in Faster Shipping Pays Off
Image via Shutterstock
By Dominic Rushe

Amazon’s massive investment in faster shipping paid off for the tech company over the Christmas holidays with record sales and four times as many customers taking advantage of its free one-day shipping offer over the shopping season compared with last year.

Amazon is spending billions making one-day shipping the default for its Prime members and the gamble helped drive its revenues up over $87bn for the final quarter of 2019, or $29bn a month, compared with $72.4bn in the fourth quarter of 2018.

Profits increased to $3.3bn in the fourth quarter, up from $3bn in the same period last year, after a fall of 25% from July to September due to its costly shipping investments. Amazon’s shares shot up over 10% in after-hours trading.

“We’ve made Prime delivery faster – the number of items delivered to US customers with Prime’s free one-day and same-day delivery more than quadrupled this quarter compared to last year,” said Jeff Bezos, Amazon founder and CEO.

Amazon’s bumper Christmas – the best in its history – came as other retailers including Target, Macy’s and JC Penney have reported lower sales.

Amazon Web Services (AWS), its cloud computing business, reported revenues of $9.9bn for the quarter, up 34% from the year-ago period.

Amazon also gave an update on its number of Prime subscribers, who pay an annual fee for faster shipping and access to free content on its streaming media services. Bezos said the company now has over 150 million paid Prime members around the world, up from 100 million last April.

Amazon’s share price has lagged its tech giant peers in recent months as investors have worried about its spending. The latest results push the company back into the exclusive club of tech companies now valued at over $1tn including Apple, Alphabet and Microsoft.

Copyright © 2020 theguardian.com. All rights reserved.

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