Smart Clicks

Tips: The 11 SMART RULES of Investing

Exposed: So, are you telling me CBD won’t get me high?… Is It Safe & Effective?

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Tips: Stretch and Yoga for Beginners

What Happened?: The Game Stop Reddit mania Exposed!

Warning: Do you wake up ACHY and STIFF?

Business and Innovation:

The 11 SMART RULES of Investing

Rules can be a good thing. They keep us out of trouble and help us avoid making significant mistakes. Your investments are serious business. Your financial well-being and retirement are primarily dependent on your ability to invest your money wisely.

Consider these 11 Smart Rules before you make another investment:

Rule #1: Know your starting point. What’s your net worth? Before starting any race, you have to know where the starting line is. Take regular measurements of your financial situation to gauge your progress.
Rule #2: Avoid investing in a business or any financial instrument you cannot understand. If you’re unclear about an investment’s fundamentals, how will you know if it’s a good investment or if and when you should sell it?

Rule #3: Try not to invest and forget. Most investments require regular monitoring and assessment. Market conditions can change, so try to remember to check on all your positions and assets. The company whose stock you purchased might suddenly start taking on a lot of debt. Stay on top of the latest news and make any necessary adjustments to your investments.

Rule #4: Check historical performance, patterns, and past returns. The real value of an investment isn’t always evident by looking at the price or past performance. Take the time to dig in and see if an asset has real value. Sometimes an investment is underpriced because it’s a great buy, or sometimes it’s underpriced because it’s junk.
Rule #5: Remember to consider inflation. Most investors forget to evaluate the effects of inflation when choosing investments. Investing is looking toward the future, so inflation is an important consideration.
Rule #6: Always have the insurance coverage you need. Few things can disrupt your finances and ability to invest more profoundly than an unforeseen disaster. Whether it’s a medical emergency, a tornado, or someone suing you because they slipped on your sidewalk, you want to have adequate insurance coverage to take care of it.
Rule #7: Make tax planning an ongoing process. Most people only plan for taxes at tax time. However, the wise investor considers tax issues throughout the entire year. Whenever you invest, consider the tax implications and frequently check with your CPA about new regulations or changes. A little bit of forethought can mean thousands of dollars in April, and you legally can beat the taxman at his own game.

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Rule #8: Have preparations in place for financial emergencies. If you lost your job tomorrow, how long could you last financially? Would you be forced to sell your portfolio and start over? If you lack an emergency fund, consider starting one as soon as possible. When you need it, you will be grateful that you have it.
Rule #9: Know the Type of Investments available. The world of investing can often be confusing, so our Ama-Things team is here to explain to you an initial discovery of the different types and groups of investments.

Many analysts believe there are four distinct types of investment, split into two sub-categories, which are:

Growth investments: These are Long-term investments in shares or property.
- Property is considered a risky growth investment. Because the housing market price can shoot up or down over time, remember the 2008 Bubble Crash. Anyway, for many investors, this is a valid and very traditional alternative. According to the S&P 500 (NYSEARCA: VOO), the average return on rental properties was around 10% in 2019. In my experience, it depends on the area or property location, but on average is about 8%.
- Shares can help grow the value of your original investment over the medium to long term. If you own shares, you could also receive income from dividends when a company shares a portion of its profits with the investors. The stock market is subject to unpredictable fluctuations. The value of shares can be volatile, but in general, the stock market has historically returned positive returns on average of 9%-10% annually.
- Defensive investments: These assets look for consistently generate income and growth. This category includes instruments such as cash and bonds.
  - Cash investments include everyday bank accounts, interest savings accounts, and term deposits; those instruments typically carry lower potential returns and lower risk, something attractive for the conservative investor.
  - Bonds investments. It consist of a loan taken out by the government from investors with the promise of repayment with a fixed interest rate. Government bonds are probably the safest fixed interest investment. The long-term average interest rate return on government bonds is around 6%.

Rule #10: Retirement savings should take precedence. When retirement savings isn’t a priority, you usually won’t have much of a retirement fund. We’re all prone to putting things off until tomorrow. Start preparing for your retirement today.

Make your retirement a priority, and you will live comfortably in your golden years.

Keep these ten previous rules in mind to increase your investing success. Retirement comes quickly, so try to put these rules into effect quickly.

And finally, Smart Rule 11, Remember, Investing does not have to be complicated. Still, it does require discipline and planning, and it always is recommendable to consult a Financial Advisor or Wealth Professional before making your investment decisions. The reason behind this rule is, all investment strategies and investments involve the risk of loss. Any reference to an investment’s past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit.

Article prepared by the smart-things.com Content Team. Feb, 2021.

SMART NUTS

Active Life and Wellness:

Do you wake up ACHY and STIFF every morning?

3 Hacks the experts recommend to reduce stiffness upon waking

#1- Try anti-inflammatory nutrition. Consider the Mediterranean Diet, reducing the consumption of processed foods and meats, refined carbs, and sugars and replacing them instead with nuts, fresh berries, more vegetables and salads, avocados, and fish. And of course, do not forget to occasionally indulge with a moderate portion of dark chocolate or a glass of wine. This combination is filled with a plethora of anti-inflammatory agents!

#2- Add Vitamin D to your body. Vitamin D has properties that improve your bone and muscle fiber health, so increasing your exposure to Vitamin D, either through 15 minutes of sunlight a day (don’t forget the sunscreen) or through consumption of fatty fish, egg yolks, or Vitamin D supplements, is critical to health and well-being.

#3- Stretching or Yoga can help disconnect your mind and help your body relax before you sleep. A simple stretching routine before bed to relax your muscles will help. Also, consider engaging in a short meditation or yoga for beginners. Hatha Yoga is great to start and for anyone looking for a good stretch or work on their alignment. If you’re feeling stiff in the morning, you can take some minutes to meditate, practice your stretching or yoga to wake your body up with a series of like hip-openers, cat-cows, or child’s pose.

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Business & Innovation

The Game Stop Reddit mania exposed: How the retail investors ran over the Wall Street big players

What happened?: At the end of January 2021, the individual investors created a significant movement in the stock market, sending stock prices for struggling companies such as Game Stop, AMC, and Nokia to unexpected highs. The unified retail investors ignited the trade engines to inflate GameStop’s price from near $20 per share to almost $500 per share at its peak during those days.

Who?: At least 3 key players to mention, starting with the individual investors at Reddit, a social news platform that allows users to discuss and vote on content that other users have submitted, and particularly the subreddit WallStreetBets or WSB, where participants discuss stock and option trading.

Another player in the game was Robinhood, a free-trading app that lets investors trade stocks, options, exchange-traded funds, and cryptocurrency without paying commissions or fees, widely used by millennials and young retail investors, a key driver to provide easy access to invest and trade to an individual investor.

On the other side, we have the Hedge Funds, a group of institutional investors known as Wall Street’s big players. Hedge Funds use several sophisticated strategies for profits, and one of their most common strategies is the “shorting” or stock short-selling.

How?: Shorting means an investor expects a stock price to drop. In this strategy, the investors borrow stocks and immediately sell to make a profit, specifically the Hedge Fund borrows a significant amount of shares under the agreement; the stocks will be returned, then this Hedge Fund sells the shares they just borrowed expecting that the price goes down. When the price goes down more in-depth, the Hedge Fund buys back those stocks at a lower price and return the borrowed shares to the lender. The difference between the initial value sold and the share’s lower price bought is how the investor makes a profit.

There are some risks in the shorting strategy, such as the Short Squeeze, when a heavily shorted stock suddenly gets positive news or some catalyst that brings many new buyers into the stock and generates a stock price increase. Social media and connected users can motivate people to quickly buy more stock quantities, developing a more aggressive stock price increase. In the Game Stop case, the Hedge Funds shorted the stock and lost money because the individual investors generated a Short Squeeze. However, since that peak, the trade has quickly unraveled, with GameStop shares closing at $92.41 on Feb. 3, wiping off more than 80% of its value from the top less than a week ago.

The new reality, from 2020 with a record of 10 million new brokerage accounts opened, and with more individuals investing than ever, has created a new kind of balance in the trading ecosystem, that now involves a huge crowd that is interconnected by social platforms like Reddit; in fact, these individual investors just demonstrated their growing power in the market, by driving GameStop’s share price up by 1500% and causing the hedge funds to lose billions in the process.

Some people, including investment professionals, consider the “Game Stop Short Squeeze” that mostly impacted the Wall Street Big Players, to be considered as a democratization sign of the stock market, quite similar to David vs. Goliath, where the individual “Davids” in Robinhood and other investment platforms, at least this time, demonstrated the potential strength of the little guy, by connecting a painful knockout over the giant.

It’s important to remember that stock trade and investments are highly speculative and involve a substantial risk of loss. We encourage our readers interested in the stock market to do it very carefully, get personal advice from your professional investment advisor, and make independent investigations before acting on information published or from social media trendy posts.

This is just the beginning of this story; we will see the potential changes and further implications for the players above, so stay tuned for more Smart Clicks to continue with this investor mania.

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Active Life and Wellness:

So, are you telling me CBD won’t get me high?…

Is It Safe & Effective?

CBD oil is trendy right now. CBD oil is made by extracting cannabidiol from the cannabis plant and diluting it in a carrier oil, often coconut or hemp seed oil.

Cannabidiol is a Phytocannabinoid discovered in 1940. One of 113 identified cannabinoids in cannabis plants accounts for up to 40% of the plant’s extract. The formula is: C₂₁H₃₀O₂

Overall, CBD oil is safe and is not addictive. Most of the possible side effects are mild in general.

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Is CBD Oil get you high?

You might be concerned that CBD Oil might get you high since it is a marijuana-related product. The short answer is “NO,” it will NOT.

CBD oil contains cannabidiol but not THC. Tetrahydrocannabinol (THC) is the primary psychoactive cannabinoid component found in cannabis and causes the sensation of getting “high” associated with marijuana. However, unlike THC, CBD is not psychoactive.

As marijuana and marijuana-related products are becoming legal and more socially acceptable, CBD oil is becoming more popular and affordable.

Recently, a U.S. Food and Drug Administration advisory panel unanimously recommended approval of the CBD medication Epidiolex to treat two rare forms of childhood epilepsy.

There have been several benefits tied to CBD oil use:

Chemotherapy. CBD oil can reduce nausea, vomiting, and pain in those receiving chemotherapy treatment.
- Many people with cancer claim the treatment is worse than the cancer itself. CBD oil can make the cure for cancer a lot more tolerable.
Pain relief. Records show that marijuana has been used to treat pain for nearly 5,000 years. CBD is one of the primary components of marijuana that soothes pain.
- CBD oil has been found to reduce pain in several studies. Given that many traditional pain medications have many adverse side effects and are addictive, CBD oil is attractive for treating chronic pain.
Anxiety relief. CBD oil is effective in treating anxiety. Anxiety and depression are usually treated with potent pharmaceutical drugs, which can cause drowsiness, agitation, insomnia, addictions, sexual dysfunction, and headache, so the great news about CBD is the CBD oil isn’t addictive.
- CBD oil has even been used to safely treat insomnia and anxiety in patients with post-traumatic stress disorder.

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Hypertension. High blood pressure is linked to higher risks of several health conditions, including stroke, heart attack, and metabolic syndromes. Studies showed that CBD oil lowers blood pressure and may reduce the likelihood of stroke and heart attack.
Acne reduction. The anti-inflammatory effects of CBD oil are believed to be responsible for removing acne in regular consumers of CBD oil. It’s also believed that CBD oil reduces sebum production.
Diabetes and cancer. Studies in animals suggest that CBD oil could be useful in treating and preventing both cancer and diabetes. This benefit, however, is still being researched. We recommend you validate with your health specialist before consider CBD consumption.
- Tumors grow more slowly, and cancer spreads throughout the body more slowly in rats given CBD oil.
- CBD oil also reduces the incidence of diabetes in rats by over 50% when CBD oil is ingested.

Are There Any Risks or Side Effects?

CBD is generally well tolerated and considered safe.

Side effects noted in studies may include:

Diarrhea
Changes in appetite and weight
Fatigue It can also interact negatively with certain medications.
Anti-seizure medication and blood thinners should not be combined with CBD oil. CBD oil can also raise liver enzymes.

As with any medicinal product, it would be wise to consult with your physician before using it.

Only use CBD serious brands since one of the issues with CBD oil is dosing and consistency. CBD oil production is not primarily regulated yet. One manufacturer’s product might have significantly more or less CBD than another’s. For this reason, it’s essential to ONLY use High-Quality CBD and Reputable Sellers.

After a detailed comparison, we identified great alternatives of CBD products for your consideration:

CBD oil has a lot of benefits and provides a minimal amount of risk for most people. It’s essential to do the necessary research and talk to your physician. CBD oil might be an excellent choice for you but be sure to make a well-informed decision and remember ONLY considering a serious and a well-recognized source before you purchase.

Summary

CBD Oil can improve your wellness by responding to common concerns like Pain & Recover, Sleep Well, and Stress & Anxiety.

What results do I expect from Pain Relief CBD lotions?

Naturally occurring CBD works together with other botanicals to promote effective pain relief, ease muscle tension.

Your muscle feels sore and achy after a workout session. It is a normal side-effect; however, taking a CBD bath can relax your body and mind. A CBD bath can be the most effective natural way to manage exercise-induced pain or chronic pain.

How does a CBD bath help me with pain?

CBD bath can relieve muscle pain, ease body tension, and joint stiffness.

How does CBD help sleep?

Cannabidiol has calming and sleep-promoting benefits and strengthens the consistency of the sleep-wake cycle.

How does CBD help my stress or anxiety?

The cannabinoid derived from hemp has a calming effect on the body and mind by revitalizing and awakening senses. Feel calm and collected.

For Additional Information Click Here: Best CBD Oil Products for your Wellness.

Article prepared by our ama-things.com Content Team. Feb. 2021.

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