David - Romes Blog

December 18, 2024 David

5 Dividend Stocks For Beginners

New to investing? No problem, I am here to help. You want to know which stocks are safe to buy and will earn you money in the process. There are a variety of stocks that will do this for me, but I have handpicked five that I think will set you on the right path. These are solid companies with a solid financial history. Their dividend history is also solid which makes them the perfect starter set. Without holding you back any further, let us dive into it.

Crypto & NFT

December 4, 2024 David

A Beginner’s Guide to Crypto Halving: What It Is and Why It Matters

Cryptocurrency is one of the hottest ways to invest. It is also one is the scariest ways to invest. Crypto has a lot of uncertainty and can fluctuate rapidly without warning. However, if done right, it can be very profitable. Holding coins of any variety long-term is the way to go. For example, Bitcoin has grown in value each time it has halved its coin. Imagine getting a pay cut every four years, but it somehow makes you more valuable. That’s crypto halving in a nutshell. It’s a game-changer in the digital currency space because it limits supply and impacts value.

Informational

November 20, 2024 David

Understanding Capital Gains Tax: A Simple Guide for Everyone

Taxes are the scourge of the earth. They are everywhere and pretty much cover everything we own or will own. It is hard to escape, you buy a TV and notice there is an added $20-$30 on the total price, that is the government trying to take a little more from you. It is amazing how you pay taxes on your income, taxes on things you buy, taxes on things you sell and taxes on things you live in or use. I hate to break it to you, but investing is no different. Government takes their taxes from you in the form of a Capital Gains Tax.

Stocks

November 6, 2024 David

Is MO a Good Stock to Buy? Unpacking Altria Group’s Investment Potential

Investing in stocks can be like navigating a sea of uncertainty, where every wave in the market could either make or break your portfolio. One company that frequently catches the eyes of investors is Altria Group, Inc. (MO). This company boasts a wife product range and solid profits. However, there is the moral part of the equation. Do you want to own a stock in a company that produces a product that kills people? I firmly believe people are adults, it is not my place to be the judge of that. If I want to own this stock, I should not feel guilty about it.

But, is MO stock a wise addition to your investment basket in September 2024? Let’s explore it together.

Credit

October 23, 2024 David

Boost Your Earnings with Robinhood’s Gold Card

In a previous article, I mentioned the benefits to owning a Fidelity Credit Card. Well my faithful audience, let me tell you about another card that will help you on your investing journey. If you are new to investing or are experienced, using a credit card that helps you invest is a must. The Robinhood Gold Card gives you 3% cash back on all purchases. I mean, come on, you are going to spend the money anyways, might as well get rewarded for it. I use my credit card for all my purchases. At the end of the month I get rewarded with free cash that I use to help me invest. As an added benefit, you can signup with my link and earn up-to $200 in free stocks. To get started, signup here to create an account on RobinHood.

Savings and Retirement

October 16, 2024 David

5 Necessities You Should Plan For Nearing Retirement

Retirement is something most people do not think about. We simply go about our lives and day after day, month after month and year after year, time flies without a hint of notice. It is like we are on autopilot and cruising through life. By the time retirement is near, reality sets in and panic grips you. You wonder if you have enough saved, how will you afford your bills and lifestyle. Will health insurance be an issue and if something serious happens, will I be, ok?

Budgets and Debts

October 9, 2024 David

Mastering Your Money: Understanding the 40/30/20/10 Rule

Are you struggling with managing your finances? Managing money can feel like juggling. It’s tough to keep everything in the air. Budgeting is the number one reason people can save and reduce their debt. Currently, the average American owes $103,358 in consumer debt in the second quarter of 2024. This is across mortgages, auto loans, student loans, and credit cards. That is not chump change either.

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