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Free Custom Marketing Material

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Calling all Small Business Owners  If you are in need of help with marketing, UpBrite Design  is a company, started by me, which creates custom materials such as posters, flyers, logos and much more. Check them out at upbritedesign.wordpress.com to learn more.  Here are some examples: Flyer Flyer Logo

Top Stock Picks-July Edition

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The first stock that will preform well in the long-term is one of the most beloved restaurant in America, or at least is my favorite, Cheesecake Factory(CAKE). Cheesecake Factory has taken some heavy blows from Covid as dining in isn't available which makes up most of their revenue. However, this provides an opportunity to invest as the stock has dropped around 50% in the wake of covid, and  investors expect the stock to rise up to 48% in the next 12 months. A bonus is that Cheesecake Factory offers a  6.38% dividend which is nice to have while you wait for the stock the rise and can help offset the short-term losses when you are waiting for a long term gain. With Cheesecake Factory being one of the largest and most popular chain restaurants in America, they will post stronger sales as states start to reopen and people start to go back to their missed restaurants. This can be shown through Cheesecake factory beating analysts' earnings by 126% for Q1 EPS even during th...

Summer Review (July Edition)

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Summer and COVID-19 don't go well together, but the only thing keeping most of us sane is professional sports. The NFL post-season was wild with Tom Brady leaving the Patriots, while the Texans traded their No. 1 receiver. I haven't seen a live sports game in so so long so I was so hyped to see many sports leagues start to reopen. Summer plans have been going smoothly for some—relaxing at the beach, hosting a barbecue, or just sleeping at home—while others have to cancel or make changes to their plans to adapt to these unusual times. Are you looking forward to going on vacation, but aren't looking forward to stay at hotels? Then try out the new portable house. Unfortunately, there aren't portable houses for sale, but RVs are the next best thing and have been getting a lot attention. Starting off this Covid recap is Winnebago. Winnebago Industries, Inc.(WGO) is known for making RVs and their RVs have been selling like crazy during the past few months as people want...

Will negative interest rates help revitalize our economy?

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Some of you have never heard of negative interest rates, like me, while other have. These are some wild times in our economy so some people are suggesting that the Feds lower the interest rates in the negative to help our economy. The first question you probably have is what do negative interest rates mean? Negative interests mean that you will have to pay a monthly fee to the bank to keep your money in which it will encourage you to spend your money, which is the goal, or just keep it in a safe at your house. On the bright side, the taking loans will be easier because you don't have to pay any interest rates so if you want to get a loan to buy a house, just do it. In theory, negative interest rates should help our economy because increased consumer spending means higher sales for companies, and some examples of these implementations can be seen in Japan and Europe. However, there is a discussion whether or not America should actually enact negative rates. President Trum...

Will Oil be the Jackpot?

   A new OPEC deal was made today with OPEC and its allies agreeing to cut oil production. What does this mean? It means that oil prices will rise tomorrow. Why is that?   The decrease in oil production means that the supply of oil will decrease which will allow the oil prices to increase helping energy companies and especially American energy companies. The past few weeks had OPEC has been meeting to try to agree on a decrease in oil because some countries didn't lower there oil production which was hurting American energy companies.   I recommend these stocks'/ETFS to buy tomorrow: 1. Exxon Mobil Corporation(XOM)- It is one of the largest oil companies in America which means that they will be one of the most positively affected by the new deal. They have dropped almost 40% since the beginning of the year and they have an attractive P/E ratio of 13. They offer also a nice dividend of 8% which adds the cherry on top. 2.  Invesco DB Oil Fund(DBO)- Cr...

Investment Picks with Edward-April Edition

   I just want to quickly thank the health workers who are fighting against the coronavirus.    So the market has been going up in the last week of March, but I feel that it will go back down because the markets rose on the sense of hope because a new drug was passed through the FDA to be used to combat the coronavirus. However, scientists predict that there will 100,000-240,000 deaths in the United States causing it to drag down the market. We are in volatile times right now with news being able to cause big drops or gains so it is the best to look long term. These are the top stocks I recommend in the long run: 1. Intel(INTC)-  It is the one of the largest semiconductor manufacturing companies in the United States with a market cap of $231.70 billion and a P/E ratio of 11.50 which makes it a cheap option. A bonus is that they have a dividend yield of 2.44%. It also has around $3 billion in cash which is benevolent because cash is KING right now. Technolog...

The Beginning of the End?

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   Some people expected 2020 to be their year, like me, but as we get into the third month, some people are acting like the world is going to end-they are buying all the toilet paper in the stores. I myself was almost was too late to buy toilet paper upon seeing some people take cart fulls of toilet paper with barely any left for others. I feel that they probably should see a doctor long before for COVID-19 if they need 144 rolls of toilet paper.     The idea of a recession has been around since last year and people started expecting a correction in the stock market after tremendous growth this past year, or even worse, a recession. Anything event detrimental to the US economy could've triggered a big fall in the stock market and COVID-19 was the chosen one this year. If you want to know more about my prediction of a recession, you can read more about it in my previous blog.    COVID-19 is causing widespread panic across the globe causing ma...

Gold is the new Green

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A shiny, yellow piece of metal that we call gold is commonly used for products such as the phone you are maybe using right now. A majority of people go to gold when there are the problems going on affecting the United States and the world. The Corona-virus, risk of recession, and other fears means that people will turn to gold as a safe haven. Also the risk of recession will definitely cause gold to rise because people are scared the inflation will devalue their money, but gold will keep its value when there is inflation causing more people to buy gold. Gold companies such Barrick Gold Corp(GOLD) or gold mutual funds would be the best to buy because buying gold directly won't give you much value when you are waiting for it to go up while gold stocks, ETFs, and mutual funds can give you dividends which is better.

Fear of Recession

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   A recession is when the economic activity of a country declines which affects businesses negatively because of consumers wanting to spend less money.    The short terms bonds are yielding more interest than long term bonds which indicates an inverted yield curve. This inverted yield curve could signal a recession happening in the US economy within the next year because of uncertainty in the economy. Investors are willing to invest more in long term bonds than in short term bonds causing a higher demand in long term bonds which decreases their yield while the Federal Reserve would increases the yield for short-term bonds to help the economy grow.     An example of an inverted yield curve leading to a recession is when in 2006, there was an inverted yield curve for most of the year which led up to the big recession in 2007.