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StreetShares Blog

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9 Low-Cost Ways to Invest in Business Operations
| StreetShares Blog

By StreetShares on July 11, 2018

Small business owners must constantly invest in their business’ operation. This may sound like an intimidating cost, but you can invest in your business operations without a big cash commitment- the trick is to make the investment part of your core values system. Here are nine effective and cost-efficient ways to invest in business operations and jump start your small business growth!

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How Much Debt is Too Much?
| StreetShares Blog

By StreetShares on June 27, 2018

Business owners must run two sets of books- one for their business budgets, and one for their personal budgets. And, they need to definitively separate their business and personal debts. Staying disciplined is tough, especially in the beginning when cash flow is tight. There’s always that temptation to put business revenue in your pocket and pay your personal bills out of the same pocket. Unless you clearly separate your business and personal financials at the start and stick to it, you’ll just end up in a cycle of borrowing from one to pay the other. You might, by coincidence, cover all your obligations- but the risk of loss will endanger your business.

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How Would You Invest $10,000?
| StreetShares Blog

By StreetShares on June 19, 2018

If given $10,000 tax-free, here's how Baby Boomers, Gen X'ers, and Millennials would invest it. How do you compare? 

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Are Bonds a Good Investment? You Be The Judge
| StreetShares Blog

By StreetShares on May 18, 2018

Photo courtesy of JHerbstman on WikiMedia Commons

What do you know about bonds? Not James Bond, investment grade bonds. If you guessed "something having to do with the stock market," you're on the right track but not completely there! The question you should be asking is “are bonds a good investment?”

When you invest in stocks, you know that you own a piece of the company’s value. When the demand for that stock increases, the market value goes up. If you sell when the market value is high, you make a profit.

When you invest in bonds from a bond market, they are much like loans with you acting as the bank. You get a certificate showing that a business, city, or government owes you money to repay you for your investment in their spending on growth, equipment, construction, and other projects. When your bonds mature, you can cash them in for more than you paid for them. Some coupon bonds pay off steadily throughout the maturation of a bond (payout times depend on terms) in the form of coupons and the remainder is paid off when the bond reaches maturity.

So what does that mean for you? Are bonds a good investment option for your portfolio? Keep reading to find out!

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Is Your Portfolio the Real MVP or a Benchwarmer? Tips to Keep Your Money Healthy in 2018
| StreetShares Blog

By StreetShares on May 17, 2018

Everyone wants to strike it rich in the stock market, but not everyone wants to- or even knows how to- put in the work to maintain a healthy portfolio. A financial portfolio is a collection of assets that includes, among other things, stocks, bonds, and property. The portfolio is a positive investment when it meets an expected return on investment (ROI), your risk tolerance, and the asset liquidity. Obviously all investors wants to maximize ROI, but not everyone wants to accept the risk of uncertainty or barriers to converting investments to cash. By taking steps like hiring an investment advisor and spreading your risk, you can give your investments a health injection in 2018. 

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Keeping up with the Cash: Top 5 Personal Finance Influencers to Follow
| StreetShares Blog

By StreetShares on May 15, 2018

You know you're supposed to be saving for your retirement years, but whose advice do you follow? A search on Google will turn up so many different kinds of personal financial advice, and some of it is definitely questionable. So, how do you know who to turn to? That depends entirely on your situation- we all need different types of guidance for different stages in our lives. Are you fresh out of the military and venturing into civilian life? Did you just graduate college? Are you recently married or a new parent? Maybe you've had a 20-year career and have grandkids on the way. No matter your situation, these five personal finance influencers are the top names in the game for any stage of life.

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The Demystification of Diversification: How Diversifying Can Work Magic on Your Portfolio
| StreetShares Blog

By StreetShares on May 10, 2018

Diversifying your investments - it's a phrase you've heard, and you know you should do it, but what does it actually mean? Essentially, it means that putting all of your financial eggs in one basket is a bad idea. The market is notoriously unpredictable, and diversification will play a vital role in fortifying your interests. You can reduce your investment risk, stabilize your income flow, and have a better shot at long-term financial success by investing in a wide variety of different assets that are in line with your goals and risk tolerance. 

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How to Diversify Your Savings with Stocks and Alternative Investments
| StreetShares Blog

By StreetShares on May 8, 2018

Many Americans know the importance of investing; however, it is not uncommon to have questions about where and when to invest, how to diversify savings, and what alternative investments to consider when building a portfolio. How much time and knowledge should you, well, invest in your investments? A huge concern many face as they prepare to enter the world of investing is the necessary time commitment, and, of course, trusting that the risks match the potential rewards—not to mention budgeting to diversify savings in order to receive the greatest returns.

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7 Free (or Almost Free) Apps to Keep Your Budget on Track
| StreetShares Blog

By StreetShares on May 3, 2018

The best budget is the one you actually stick to, no matter whether you are a disciple of Dave Ramsey or Suzi Orman. A personal finance app can help you understand when and where you are spending money, by linking up to bank accounts or notating when you purchase something. They also make record keeping so much easier, allowing you to take pictures of receipts and adding the details to spreadsheets for you. But what is the best personal budget app to use? Here are seven for your consideration.

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Spotlight Veteran Business: Q&A with Dr. Joni Johnson of Pediatric Partners
| StreetShares Blog

By StreetShares on February 26, 2018

February is Black History Month, also known as African American History Month. It’s an entire month dedicated to African American men and women who have made significant achievements and contributions to the American society. In honor of Black History Month, we’d like to recognize one of our African American veteran small business owners – Dr. Joni Johnson of Pediatric Partners for Attention and Learning, Inc.

Dr. Joni has a strong military background that has spanned more than 25 years. She has spent most of her medical career passionately advocating for military children and families as a physician both in the military and in private practice. She continues her military service as a Colonel with a local Combat Support Hospital and also as the Pediatric Consultant for the U.S. Army Reserves. Her final mobilization was the reason for contacting StreetShares for small business funding.

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