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Warrior Trading Reviews

There are so many day trading websites out there that it is hard to know which ones to trust. One the biggest and most talked about is Warrior Trading. They put out a lot of materials and the day trading newbie might not know what is useful and what out there is just spam. It seems like every day some new website pops up and just want to take money from people without actually providing them any useful information before they put down their credit card. When I saw Patrick H’s review of Warrior Trading I was surprised when I looked around and found so few Warrior Trading Reviews. When I saw so few Warrior trading Reviews I was inspired to write about what I consider the 3 things Warrior Trading is doing best.

Their Chat Room

The Warrior Trading chat room is, in my opinion, the best one out there and based on the other Warrior Trading Reviews I’ve seen, most agree. It is lively, fast and there is always someone willing to answer your questions. It has a relaxed, friendly vibe but at the same time there are a lot of seasoned day traders that really know their stuff. It is not just a bunch of undisciplined, want to be day traders who spend more time chatting about current events and video games than day trading like you are bound to find in a lot of other chatrooms.

Free Information

At Warrior Trading there is a lot of great free information and free advice available before you spend a dime. It seems like every other day I try to find a great sounding article only to be bait and switched into a subscription plan. With Warrior Trading I particularly like the free educational materials. At Warrior Trading you can actually learn how to trade. That puts them heads and shoulders above most of their competition.

Day Trading Course

After the market closes for the day, the instructors at Warrior Trading open a chat room for all the students in their day trading class.  On Tuesdays and Thursdays, they have Mentor Sessions, similar to professor office hours in college. The instructors at Warrior Trading are available to their students to answer questions and help their students get started day trading on the right foot. The streaming Vimeo videos, only available to students, are all top quality and available to view at any time for students. This tool is particularly useful when I run into an issue and can go back and watch the relevant video.

Check out Warrior Trading for yourself and then write your very own Warrior Trading Review. Have you tried Warrior Trading? What were your thoughts? We’d love to hear about your experience with them in our comments section below.

 

How to Get Money with No Credit

Having bad credit or no credit can really put a damper on getting a loan. Most traditional loan companies will deny you for credit almost immediately because having no credit is like having bad credit. You’re not stuck without any options, though.

What most people with no credit or bad credit don’t know is that there are several ways for them to still get money when they need it the most. Some of these options will include a high annual percentage rate (APR), which means higher interest rates. However, as a beginner with no credit, these will be the best options available to you.

Peer-to-Peer Lending

One of the newer financing options available is peer-to-peer lending or referred to many as person-to-person lending. This allows you, the borrower, to request a loan through an individual rather than an institution. Most of the individuals post their loan amounts on a board with a list of criteria (what they want in return). Once you apply, the lender will look through all of the applications and determine which investment is better for them, selecting a winner.

While your credit score is still a determining factor in the individuals’ decision, they will be able to thoroughly scan it and make a decision on whether they believe you are a trustworthy borrower. Those with no credit have more flexibility to get loans through individuals since they may not be denied because of their lack of credit history. In addition, most of the APR rates are lower than traditional loans.

Ask a Co-Signer to Help You

One of the magic of credit and loan is that if you have no credit or bad credit, you can get a cosigner. This cosigner should be someone who has good credit and can stand a chance of passing the loan approval process. The cosigner agrees that if you don’t pay the balance, they may ask the cosigner to pay for any amount overdue. Keeping up with the payments afterward will give you an installment loan and a history of payments, giving you a massive credit boost.

Visit Your Local Credit Union

Credit Unions are institutions that are located only in your local area. Many of these businesses were opened and operated through individuals who want to help their local community. Many of these credit unions may overlook your lack of credit history and extend a loan to you based on your character and judging if you’ll repay. If you have good ties with your community or your job banks with a credit union, this will be a great opportunity to get credit cards or loans quickly.

Even with No Credit, You Have Options

Even if you have no credit, you have multiple options available to you for getting money fast. Even though you may have to deal with slightly higher APR rates with some of these versus a standard institution, these may be the only options you have available. Use these wisely and you could build up a good credit score in no time.

 

4 Ways to Focus on Paying Off Credit Card Debt Now

If you are serious about paying off credit card debt to become debt free, the first step is to get your spending under control.  Create a budget and start tracking spending, including necessary monthly payments such as a car lease and mortgage payment, and then start to dissect every purchase that is made and decide if it was needed or not.  It does take discipline and patience to stick to a budget but when successful you can find ways to pay off any credit card debt now.

Use Cash Instead of Plastic

When you have cash in hand and use it for purchases you actually get to see the money leaving your hand and going to the cashier, and may make you think longer if the purchase is necessary or not.  When you use a card you can swipe and not think twice, especially if it’s a credit card, you do not have to worry about the purchase until the next statement date, and if you always follow that mentality chances are you have charges that are adding up deal with next month; hopefully you have the funds to pay the balance.

Pay the Card with the Highest Interest Rate

The worst thing about credit card debt is paying high amounts of interest and feeling like you can never put a dent into the principle balance.  The highest the interest, the larger the burden, so if you have many accounts, pay the largest towards the highest interest until it is paid off, then move down the line to the next highest interest.

Smallest Balance First

You can feel proud when you see a credit card balance go to zero, so if you have cards with small amounts, it may be best to track your own process by paying off the small accounts first.  At least those will be out of the way and then you can focus on one account, even though it may be large, it will get better. In fact, closing out revolving and utilized credit can actually help your credit score to boot. Check out credit repair services here http://aaacreditguide.com/creditrepair-com/ for other ideas on minimizing your debt and raising your credit score.

Use a Balance Transfer

If you have many accounts or varying interest rates you may be able to take advantage of a low APR balance transfer to another account, where you can put your whole credit card debt and make large payments where everything will go to principle instead of interest.  The promo rates are typically for a year or two at the most, so do your best to pay off by the promo expiration or you will then get hit with a high interest rate on the remaining.

6 Books about Stockbroking You Should Read

Over the past ten years, bloggers have pretty much covered all aspects of stockbroking and stock trading, providing valuable information to seasoned and new traders. However, the value of information these blogs provide do not compare to what hard cover books, written by some of the brightest minds in the industry, have to offer.

Whether you are new to stockbroking or have been trading for years, you must make a point of reading these books to become more successful in the trade and to improve the profitability of every investment decision you make.

Here is a list of the top 6 books about stockbroking you should read at least once.

1. Stock Market Wizards: Interviews with Top Traders by Jack Schwager

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If you are a serious trader keen to learn from successful trading gurus, then the Stock Market Wizards: Interviews with Top Traders published in 1989 is a book you cannot afford to miss. As the title hints, this is a compilation of 30 interviews with the world’s most successful traders and covering a wide range of markets. The interviewees include Bruce Koyner, Ed Seykota, Paul Tudor Jones, Van K. Tharp, James B. Rodgers, and Michael Steinhardt. In this book, you will find a mixture of market facts and trading careers of the interviewees as well as their philosophy and the different trading systems that made them who they are.

2. Laughing at Wall Street: How I Beat the Pros at Investing by Chris Camillo

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Before he turned a $20,000 investment into $2 million in just a couple of years, author Chris Camillo was an average Joe struggling to make ends meet. However, he proved that with a simple strategy, dedication, and some capital, anyone can become a great investor even when they have no extensive financial background. This book is a humorous story written for beginners to learn how and where to pay attention and how to leverage trends and public information (he actually calls it information arbitrage) to speculate on stocks and actually win. If you are looking for an inspirational read, pick up this book and you will not be disappointed.

3. Reminiscences of a Stock Operator by Edwin Lefèvre

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Edwin Lefèvre wrote Reminiscences of a Stock broker based on the life of one of the greatest speculators that ever lived—Jesse Livermore. The book walks the reader through the life of “the fictional” character Lawrence Livingstone who started off as a quotation boy in a stock brokerage office right out of grammar school. He then taught himself how to scalp stocks and within no time had built (and lost) multi-million dollar fortunes. This book presents amazing learning experiences every beginner and professional must know about stockbroking and how it is important to use invaluable information and modern financial systems from established companies.

4. Way of The Turtle by Curtis Faith

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Most people who are passionate about stock trading and investing often find books that are both inspiration and informative easier to understand and the concepts easier to apply. With Curtis Faith’s Way of The Turtle, you get a simply written book packing a ton of information about how two friends decided to dive into stockbroking and nurtured 23 newbies to become amazing traders in just two weeks. The story of Richard Dennis and William Eckhardt is an eye-opener for anyone who is still skeptical whether anyone can become a stock investor overnight. Curtis elaborates the steps the two friends took to turn a few hundred dollars into over $30 million in just four years and explain why the Turtle process is still applicable even in modern markets.

5. The Trading Book by Anne-Marie Baiynd

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For a prospective investor looking for the simplest yet professionally written step-by-step guide to execute the most popular stocktrading strategies, The Trading Book is the perfect way to start. Anne-Marie Baiynd is a neuroscience researcher turned momentum trader who has put a lot of effort to explain, in simple terms, how technical indicators can be used to identify trends and future directions of markets. She talks extensively about her experience with stock trading, her many failures, and how she refined her methodologies to overcome her failures. This is a must-read book for both beginners and veterans who believe that trading is mostly about identifying and taking advantage of small opportunities.

6. All About Market Timing by Leslie Masonson

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Leslie Masonson wrote this masterpiece for shell-shocked investors who may have lost faith in traditional but-and-holde stockbroking approach. The book All Bout Timing is essentially a compilation of proven simple timing techniques that investors can use to avoid losses by entering rising markets and exiting falling markets at specific times. This is one of the best guides successful investors have relied upon to make consistent profits in any market environment and avoid catastrophic losses. It is an ideal book for beginners, veterans, and those returning after giving up.

When it comes to trading, whether you deal in forex, options, stocks, or commodities, knowledge is king. These best-selling books are just a few of the most highly rated publications that you should make a point of owning and reading. It is wise to build up a library of such books because when the money starts rolling in and you need to revise your trading strategies or revise your winning strategies, you will have your own collection of the best sources of information.

 

Why Is Personal Finance Taught at Such a Late Age?

Not to say parents escape blame for not teaching their children about the beginning stages of personal finances, which include spending wisely and contributing to savings accounts, but why was it not taught it school?  Currently less than half of the states in the US require a personal finance class to be taught in public high schools prior to graduation.  Many of us actually do not learn until we make mistakes on our own, which as long as the issue is caught right will not cause long term damage, but continuing with current behavior and you could be off track, setting you years into debt, with little to no savings.  Here are a few important pieces of being financially responsible that should be taught to everyone at an early age.

Credit Score

Like most young individuals feeling invincible, you may not realize how your credit score will affect you later in life.  When it comes time to make a home purchase, lease or buy a car, purchase insurance, or open a new credit card, your credit score is the highest factor in the decision.  Bills need to be paid on time, no exceptions, otherwise late payments can hurt your score, taking up to seven years to wipe away.  Debt balance compared to debt available also is a huge part of your score, so avoiding racking up credit cards is obviously important.

Start Saving Right Away

You may not think a few dollars at a time makes a difference, but if you avoid saving for years, you will wish you would have started young.  Once you get a “real job” after college, you should contribute to 401(k) right away, as most companies offer matching up to 3-6%, so think of all of that free money you could be leaving on the table.

Investing

Today the Jim Cramer’s of the world teach us that a 30 minute syndicated talk show is enough to educate us on the rigors of investing in the market. Investing for the future is the cornerstone of a happy and secure retirement.

Use a Budget

As you go on your own the bills will start to add up, so having an accurate budget, whether you are living with parents or own your own home, is important.  Figure out the monthly expenses, set aside minimal spending money, plan for emergencies, and make sure there is enough money left over to contribute to savings accounts.  Sure you may think there may not be enough money to go around, but you will need to cut corners somewhere, and unnecessary spending should be the first.

 

A calculated gamble that could make your money work for you

If you feel like you spend your life making economies and trying to live on less, there comes a point when you decide you want the money you do have to start working harder for you. The big question is how to do this.

Many money-making ideas usually require having a lot of spare cash to invest in something like a buy to let property or a business. But what if you’ve only managed to put a little bit aside each month in a saving account? What difference can you make with that? With interest rates as low as they are at the moment, your savings certainly aren’t going to multiply when sitting in the bank.

What you need to do is find a way of getting a better return on the money. One way that offers that possibility is through trying your hand at trading online. If you have never traded before, you may think it is too risky as you do not know what you’re doing, and you may lose those hard-earned savings when you’re ‘having a go’. Of course, this is a sensible thought-process.

But there is a way to see what kind of talent you have for trading without any real risk. And that’s through a provider like Tradefair. You can learn spread betting with Tradefair without using real money as an account is available in simulation mode. This is where you make decisions about the different trades you want to place, but the trades are virtual – in other words you’re playing at trading or spread betting. When you get it wrong, it doesn’t matter, as it’s not real money that you’re moving around. The only downside is that when you get it right, you also won’t reap any actual rewards. However you will gain experience, and that counts for a lot in the trading world.

Spread betting can cover many different markets. The biggest trading market in the world is the foreign exchange market. You can spread bet on this in just the same way that you might choose to do so on the number of bookings, number of goals or corners in a game of football. Anyone who has been following the news stories about Greece will know that the financial problems of the country have had an adverse effect on the Euro in recent months. If you’d been able to spread bet, you might have been able to make a profit. Whatever market you’re spread betting in, it’s never possible to know all the future outcomes. But you can identify probabilities and trends and make your decisions from there.

Once you’ve tried out different trades and decisions in simulation mode and started to make some good calls, you can opt to start placing real trades whenever you feel confident to do so. Of course, you’re never guaranteed a positive outcome – you may lose money. That’s why you should invest in tiny amounts at first, testing the water and seeing which way your luck goes. But, if you do get the hang of spread betting, you could soon see a small investment multiply and soar in value.

If you happen to do really well in your first few money trades, don’t let yourself get carried away by your initial success and start to place greater value trades too quickly. It’s tempting to want to see your profits climb quickly, but you’re better off remembering the tale of the hare and the tortoise. Slow and steady progress is the key to greater investment happiness, rather than having a rush of good luck and then crashing and burning.

You may also start off your spread betting experiment but then decide that a particular market doesn’t suit you. If that’s the case, you can always try another market – Tradefair has more than 3,000 markets that its users can trade in from a single account. For example, if you don’t get on well with the foreign exchange market, you could try the commodities market instead and see if you’re any better at speculating on the future values of products such as gold, cocoa and sugar.

Financial Support for Single Parents

If you are a single parent, you already know how difficult it can be to make ends meet with just one income coming into the home. If you are struggling financially, it is important for you to know that there is financial support available for single parents. Below is a look at various place single parents can turn for financial assistance, including child support, governmental benefits, and local organizations.

 

Household Income

There are three basic ways that you can bring income into your home if you are a single parent, including wages, child support and income support payments from Centrelink.

 

  • Employment. If you are not currently employed the government offer special workshops that are designed to help you find a job. In addition, you can use the Australian Job Search website to apply to different jobs in your specific area. You can also choose to go back to school and gain some additional skills to find a better paying job. You could qualify for Jobs, Education, and Training Child Care Fee Assistance to help pay for child care while you are looking for a job or attending training.

 

  • Child Support. If you have not already done so, it is vital that you contact the Department of Human Services to receive child support from the other parent. You will be asked to complete a child support assessment and based on that information a determination will be made about how much the other parent must pay to help cover some of the costs of raising your child.

 

  • Centrelink. If you are not working, or not making enough money, and you have a child under the age of 8 years old, you may be eligible for the Parenting Payment benefit. This benefits pays up to $713.20 per fortnight based on your specific situation. If your children are over the age of 8 years old, or once they have reached 8 years old, you will then be eligible for the Newstart Allowance benefit, until you are able to find a job. This payment is for up to $552.40 per fortnight.

 

Centrelink

In addition to income support, you may be eligible for other payments through the Centrelink office.

 

  • Family Tax Benefit. This benefit includes a Part A and a Part B. Part A is designed to help offset the cost of raising your children. Part B provides assistance to family who are facing a financial hardship due to having only one income. The amount you will receive for Part A is dependent on your income, number of children, and the age of the children. Eligibility for Part B depends on the age of your youngest child.

 

  • Rent Assistance. This benefit will help offset a portion of your monthly rent payment, so you do not have to pay as much out-of-the-pocket expense. The amount you receive will depend on your family size, income, and where you live.

 

  • School Kids Bonus. This bonus is paid out twice a year, once in January and once in July. It is to be used to offset some of the costs associated with buying school supplies. It is for a set payment of $205 twice a year per child in primary school and $410 twice a year for students in the secondary school.

 

  • Pensioner Concession Card. If you are receiving Parenting Payments or Newstart Allowance, you will be eligible for this concessions card. This card will provide a reduction in some medications and doctor visits for you and your children. Depending on your state or territory, you may also be eligible for a reduction in energy costs, water rates, public transport, property rates, and motor vehicle registration fees.

 

Non-Profit Organizations

There are also several charities throughout the country that are there to provide financial support for single parents. Below is the top three charities in the country.

 

  • The Salvation Army. This organisation is well-known throughout the world and can help with a wide array of supportive services like financial assistance, help for those facing domestic violence, housing assistance, and help finding employment.

 

  • The Smith Foundation. This program helps to ensure that all children in Australia obtain a good education. They provide special tutoring services, as well as, mentoring services to young people in the country.

 

  • St. Vincent de Paul Society. This organisation helps those in need by providing food and food vouchers, clothing, household goods, help with utility bills, back to school supplies, housing and much more.

Help with Child Care

Child care is a huge expense for all single parents who need to work outside of the home. The government does provide help to offset some of these costs.

 

  • Child Care Benefit. This benefit will pay up to $205 per week per child to help offset your childcare cost on a weekly basis. This lowers the out-of-pocket costs you need to pay.

 

  • Child Care Rebate. This benefit gives families a rebate of up to 50 per cent of the amount of money they paid for child care services during the year. This benefit has a maximum rebate amount of $7,500 per year.

Why Updating Your Financial Forms is So Important

The reason updating your financial forms is so important is best explained by way of example.

A couple of years back there was a gentleman who, before he died of cancer, make sure that the balance of his retirement funds would go to his children by working with financial advisors and his attorney.

The gentleman however, unfortunately, made a mistake on his IRA beneficiary form. Where he should have specifically listed his children’s names and the percentage of money he was designating each of them, he simply wrote “to be distributed pursuant to my last will and testament”.

Since the form was filled out incorrectly, the man’s surviving spouse (who had married him just two months before his death) became the sole beneficiary of all of his money by default, all $400,000 of it, and his children got nothing.

The problem in this case was that the gentleman had forgotten to update his beneficiary forms, which likely would have led to the discovery that they were filled out incorrectly. Oftentimes this happens when people have major life changes.

It’s important to note that the designation on your IRA outranks any stipulations in your will. The reason is that your estate is actually governed separately from any beneficiary accounts like retirement accounts, bank accounts, CDs, stocks, bonds, mutual funds, insurance policies and annuity contracts.

It’s also vitally important to remember that there are no automatic reminders to update these forms, and thus you need to somehow remind yourself to do it regularly. The tips below can help you to do that.

First, you should set aside a regular time at least once a year to update any beneficiary forms that might have. Since they override your will 99% of the time, it’s vitally important to keep them up-to-date and make sure that they don’t contradict other beneficiary forms.

It’s also important that you designate specific percentages for your beneficiaries. If you want your beneficiaries to get the same amount, you can write “in equal shares” on the form. If you want to make sure that the descendants of your beneficiaries get the funds, then you should write the term “per stirpes” which means “bloodline” in Latin.

If a bank that you’re using changes its name or merges with another bank, you should definitely fill out new forms to make sure that the new bank’s name is on your new forms. In many cases forms with the name of the old bank will be invalid and, unfortunately, most banks won’t bend over backwards to tell you.

You should also have an emergency file in your home where you keep hard copies of all of your beneficiary forms. This should include forms like your “payable on death” and “transfer on death” forms. This should be done even if you have all of your forms online. Simply print them out and keep hardcopies at home.

Finally, you may wish to hire a certified estate planner as, simply put, many financial planners and attorneys don’t know the laws well enough to avoid making mistakes when filling out these vitally important documents.

Survey finds that many Parents don’t feel Comfortable Teaching their Children about Finances

While it’s a fact that the average parent wants to be a good financial role model for their child, many parents today don’t know where to start as they face financial difficulties of their own.

According to a survey by investment management firm T. Rowe Price, over two thirds of parents said that, when it comes to setting a good financial example for their children, they are “very or extremely concerned” about doing it. Even worse, nearly 25% of parents surveyed admitted that they are “not good with money” and don’t believe that they should be the ones to teach their kids about how to handle it.

Many parents admitted in the survey that they simply don’t want to talk to kids about finances because they don’t want them to worry about financial challenges that their family might be facing, while others believe that they’re simply not prepared well

“A lot of parents think they don’t know enough about money themselves, so they’re reluctant to talk about it,” said Stacy Francis, a New York certified financial planner who is also founder of “Savvy Ladies,” a nonprofit financial empowerment organization for women.

“Parents in huge amounts of debt or living paycheck to paycheck think they’re least qualified to talk to their kids when they may be most qualified,” Francis said. “They can share what’s been working and what’s not been working.”

Unfortunately, many parents believe that in order to explain finances to their child they need to have all the answers. Most financial advisors will say that this isn’t necessary and what’s more important is that they simply encourage their children to have good financial behavior, although that’s sometimes not easy to explain.

Stuart Ritter, a certified financial planner with T Rowe Price, says that ”the relationship with parents, kids and money is pretty complicated.” He goes on to say that “One of the things we learned from parents is they’ll borrow money from their kids to tip the babysitter. Hopefully they’re putting it back. And they’re bribing their kids. They’re using the money as a reward.”

Indeed, one thing that’s problematic is that, according to the T. Rowe Price report, 50% of the parents surveyed admitted that they  bribe their children with money to encourage them to do the right thing. Nearly a third of them also admitted that, when things get a little “shaky” financially, they sometimes “borrow” money from financial accounts that they have set up for their children like college education funds.

Interestingly, having a “piggybank” and using cash is something that, for today’s child, isn’t nearly as prominent as it was for their parents. 924 children aged 8 to 14 were surveyed by T. Rowe Price and over half of them said that they’ve used mobile apps to make purchases and over 60% said that they’ve shopped online. A third of the parents surveyed said that they feel that cash has become obsolete.

Francis says however that getting a conversation started about finances is still easy to do with an allowance, something that might be a little old-fashioned but still works. “It’s a good way for kids to start to learn responsibility—allowing them to spend a portion now, save some for a big goal, save some for college and give a portion to charity.”

Parents have the opportunity to teach their kids about finances on a regular basis and simply need to be more proactive about it and, when it comes to money matters, incorporate them more frequently into family conversations.

 

Companies that Mix Religion with Business.

It’s well-known that talking about religion or politics among friends and family members can make for awkward conversation. For businesses, it can not only be awkward but also financially deadly.

Not long ago the CEO of fast food chain Chick-fil-A made his opinions known about the fact that he believes marriage should be between a man and a woman. The backlash that his comments sparked, from the media, gay and lesbian couples across the country and even Boston’s mayor, was massive.

On the other hand, when former Arkansas governor (and FOX commentator) Mike Huckabee organized a “Chick-fil-A appreciation Day”, the restaurant saw record shattering sales. When it comes to religion and business, it’s quite literally a double-edged sword (or at least a double-edged kitchen knife).

If you’re looking to invest in companies that have a religious bent, some of the companies on the short list below might surprise you. It’s not just Chick-fil-A that like to serve doctrine with their chicken sandwiches (they even close all of the stores on Sunday).

For example, clothing store Forever 21 prints a message or passage from the New Testament on the bottom of all of its bags for customers to enjoy when they make a purchase. If you’ve ever purchased a trendy skirt or skimpy top from the company you may have noticed a reference to “John 3:16” on the bottom of your bag, one of the most obvious and most well-known religious references. The Chang family, owners of the chain, are born-again Christians.

Tyson Foods, famous for their chicken, actually employs over 1200 office chaplains at locations around the country to provide, as they call it, “compassionate pastoral care” to their employees. John Tyson, founder of the company, has often spoken openly about his Christian beliefs and the fact that he believes his company should “be a faith friendly company”.

If you’ve ever eaten and In-N-Out Burger you may have noticed that their cups, containers and wrappers all have Bible passages printed on them. While they may have a secretive “special menu”, it’s no secret that this chain wants to deliver a religious message to their customers. Interestingly, the company doesn’t address or make reference to their religious passages on their company website

Then there’s Alaska Airlines who, along with their in-flight breakfast, also pass out inspirational notecards to all fliers with passages from the Old Testament. In fact, this is a company tradition that’s been going on for several decades.

All of these companies are traded on the stock market and so, if you wish to purchase stocks for your portfolio that lean towards religion or faith, you’d do well to start with them.

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