Category: Finances

Are you planning to purchase a direct stock plan? Without going through a broker, new investors can purchase direct stock purchase plans or dspp stocks straight from the direct stock purchase companies list we have compiled.

Purchasing a stock means you are directly investing in a company by buying partial ownership. In this case, picking the right company for your money is important in order to get a sure return of investment.

Below are the top direct stock purchase companies list you can invest with your direct stock plan:

Apple

Posting $13 billion in net profits last quarter, Apple is considered the most profitable and admired company in the world. In the fourth quarter of 2012, the iPhone 5 was declared the best selling Smartphone, followed by its very own iPhone 4S. Currently,  Apple products continue to improve its already lucrative line of devices.

Google

With its main headquarters located in Mountain View, CA, this company is regarded as the best place for employees, as it ranked 1^st in LinkedIn’s Most In Demand Employers. In year 2013,  Google is also hailed as Best Companies to Work For lists by Fortune.  So far, it’s Android OS and Google Play are expected to surpass Apple’s iOS and Apple App Store, aside from its multibillion-dollar moneymaking search engine and display ads.

Amazon.com

Ranked 3^rd in the World’s Most Admired Companies and 2^nd in the Internet Services and Retailing, Amazon.com is an American international electronic commercial company with its main office located in Seattle, Washington, United States. The company is the largest recipient of the booming of the e-commerce industry, because of its web services and Kindle department.

Coca-Cola

Another American multinational corporation and manufacturer, retailer and marketer headquartered in Atlanta, Georgia, the Coca-Cola Company offers more than 500 brands in over 200 countries all over the world serves over 1.7 billion servings each single day.

Starbucks

Starbucks, another American company to place your direct stock plan, is a global coffee and coffeehouse chain based in Seattle, Washington. With 20,891 stores in 62 countries, Starbucks is the largest coffeehouse corporation in the world.

IBM

The International Business Machines Corporation is an American corporation based in Armonk, New Year, specializing in technology and consulting. In 2012, Fortune Magazine, a New York based business and financial news journal, ranked IBM as the second largest U.S. firm in terms of number of employees which counts to 435,000 worldwide, ranked fourth in terms of market capitalization, ranked ninth in most profitable and ranked 19^th largest firm in terms of revenue.

Southwest Airlines

Southwest, a major US airline headquartered in Dallas, Texas, has a net income of 26% last year. The airline gained massive popularity because of its low-cost air fees and customer niceties like “free re-booking” and “bags fly free policy.”

Nowadays, it’s a no secret that big companies encourage small-time investors like you to buy their stock by offering such investments as dspp stock. Well, who knows what this smart direct stock plan can do to transform your future?  Now that you see that it is not that difficult to begin a plan, purchase now and railroad your success to the fullest!

With this direct stock companies list, did we miss out on any good company you can invest in?

 

People don’t usually admit to financial troubles easily. But when you find yourself saying ‘I need help with my finances’, then maybe you’re in a deeper rut than most people. Getting back to financial stability is a daunting task, but one that is very doable. Below, we’re listing down some helpful tips on how to manage money better.

The sad thing these days is that a lot of people are racking up debt because they were not educated properly about money. Schools teach math and accounting, but few teach their students how to manage their money. In truth, most people who are in debt just didn’t take the time to learn about money management. We’re talking not only about the knowledge of what money can do, but also the skill on how to use it to your advantage.

Without further ado, below is our financial advice for people finding themselves burdened with a lot of debt:

1. Analyze Your Expenses and Spending Habits—you need to do an assessment on where you currently are financially. List down all your sources of income and come up with the amount you get for each income source. Then list down all your expenses. Deduct income from expenses and you get your net earnings after expenses (commonly called as savings).
2. Make an Inventory of Your Assets—know which assets you have and how much they’re worth. Aside from knowing how much is in your bank account, make an inventory of everything you own. Include assets like your car, jewelry or house. The purpose of knowing your assets’ worth is that you can sell these off for money in the future.
3. Only Use your Credit Card when you can make the Monthly Payments—in other words, don’t use your credit card to overspend. If you can’t make your payments on time, card companies will charge you with penalty fees and interest rates. These fees and interest can accumulate overtime and can balloon your debt even more.
4. Do your Taxes Well—you can actually save a lot of money if you take advantage of tax breaks that are offeredto private employees. If you can’t do it yourself, ask an accountant to help you with your tax declarations. They can give you advice on how you can pay less tax.
5. Pay Yourself First—this means you set aside a specific amount of money for specific expenses before you blow off your hard-earned cash buying unnecessary things. This takes some discipline to do, but this move will pay off (your debts) in the long run. By paying yourself first, you train yourself not to overspend.
6. Cut Back—After doing your spending habit analysis and asset inventory, the next important step is to find the expenses or costs you can cut back on. Run through your expense list and you’re sure to find items you can live without, so cut back on those. Don’t worry if the amount you save is not that big. Every penny counts and can translate to a bigger amount in the long run.
7. Find New Income Streams—don’t bank on getting a raise at work; find another way to earn without jeopardizing your current job. You can perhaps start a small business on the side, or you can do a part-time job on weekends. When you can afford it, consider getting insurance or put surplus money in low-risk investments like mutual funds. These investments will pay you off handsomely in the future.
8. Find a Solid Support Network—managing your finances is not easy and can cause a lot of stress. A lot of people have been known to break down because of financial problems. Get a solid support group—one that has your back when your chips are down. Consider family and friends to be part of this network. And it’s advisable to consult with a financial expert. They can give you tips on how to better manage your money.

We hope you gained some insight by reading this article. Financial freedom is not impossible to achieve as long as you educate yourself on how to manage money properly. All it takes is an open mind for learning, a strong will to resist the temptation to spend, and a healthy dose of self-discipline to always pay yourself first.

Admitting that “I need help with my finances” is a good start for each person to work towards a better financial situation.