User Guide - Financial Freedom Federation
User GuideHow to Get The Most Out ofYour Subscription1
Welcome!Thank you for subscribing to Wall Street’s Best Digest!I look forward to presenting to you the best investing ideas from thenearly 200 research reports and investing newsletters that I review eachmonth. Recommendations include growth stocks, value stocks, technology,healthcare, mutual funds, ETFs and more—all selected to present you withthe best options to grow your investment portfolio.This User Guide outlines what you’ll get with your Wall Street’s Best Digestsubscription and how it’s organized. The advisory caters to both experiencedand beginner investors alike.If you are new to following Wall Street and stock investing, I encourage youto review the glossary to help put some of the lingo into context.If you ever have any questions on any of my selected recommendations,please send an email to me at Nancy@financialfreedomfederation.com.Happy investing,Nancy ZambellChief Analyst, Wall Street’s Best Digest2
What’s in this guide Here’s What You Get4– All the benefits Of Your Wall Street’s BestDigest subscriptionThe 3 Keys to Your Content– What WSBD Will Do For You5How To Read Your Issue– A Guided Tour of Your Monthly edition6Glossary– Key Terms and Lingo7About the Expert– Who is Nancy Zambell?113
Your Subscription to Wall Street’s Best Digest Includes:Monthly IssuesOn the third Wednesday of every month you’ll get 16 pages of marketupdates and a new batch of stock recommendations and investmentupdates.Daily AlertsEmailed to you before the market opens every weekday, each Daily Alertincludes a recent, actionable stock recommendation or follow up from oneof our contributors.Special ReportsOur catalog of Special Reports provides further analysis that lets you divedeeper into the details of investing.Direct ContactWhenever you have an investment-related question, you can email medirectly Nancy@financialfreedomfederation.com. You can also call ourFinancial Freedom Federation Services desk at 800-777-2658 anytimeduring business hours to speak with someone about your subscription.Or you can email our subscription support staff atSupport@financialfreedomfederation.com.24/7 ArchivesYour subscription gains you access to our vast online library of analysis,including past issues of Wall Street’s Best Digest, the Daily Alerts, previousreports, and related webinars.Click HERE to visit the Wall Street’s Best Digest hub andbookmark the page!4
The 3 Keys to Wall Street’s Best DigestEvery issue of your Wall Street Best Digestincludes a wealth of contributors, additional stockrecommendations, and much more information wecomb from the analysts entrenched in stock marketon a daily basis.But the mission of Wall Street’s Best Digest is simpleand serves three purposes:New Investment IdeasEvery month we introduce 40 new investmentideas from a cache of more than 200 investmentadvisors. We personally go through all the bestresearch, reports, and news coming out on a dailybasis so you don’t have to. This enables you to getright to the information that matters most withouttaking time from other important things.Important Updates to Act OnBesides enlightening your portfolio to new andexciting stock ideas, Wall Street’s Best Digest alsoserves as a resource to keep track of the stocks youmay already own and to find out what Wall Street’sbest analysts are saying about them.Industry and Sector InformationWhether for your existing portfolio or to feed yourhunger for investing in new industries and sectors,your issues and updates will address the changesand trends taking place in global business and theimpact on stocks.5
How To Read Your Wall Street’s Best DigestYou Wall Street’s Best Digest newsletter includes monthly issues, daily stock trade alerts, and special reports.The daily alerts come out prior to the market opening and the monthly issues typically around the thirdWednesday of every month.Here’s a brief tour of a typical Wall Street’s Best Digest monthly issue.1.2.3.4.5.6.Overview of the market.This section features the latest trends occurring on Wall Street fromsome of the markets best analysts.Spotlight StockThis section highlights one of Wall Street’s current best investments.Main FeatureThis article provides a timely topic on the latest market trends and howthey are impacting your nvestments.Investment IdeasCategorized by market sector, this is the latest list of stock pickscoming from Wall Street’s finest analysts.UpdatesThis listing provides the latest updates on stocks mentioned in previousstock alerts.Investment IndexThis table shows gives a comprehensive status of the stocks covered inthe Wall Street’s Best Digest advisory.Current and past issues, trade alerts, special bulletins, updates, and educational resources are alwaysavailable at financialfreedomfederation.cabotwealth.com. And if you still have questions, you can alwaysemail me directly at Nancy@financialfreedomfederation.com and I’ll get back to you as soon as possible.6
GlossaryStock investing jargon and terminology cansometimes sound like a foreign language. Hereare a few terms that are commonly used in theinvestment articles presented in Wall Street’sBest Digest.Dividend Reinvestment PlanA measurement of volatility where 1 is neutral; above1 is more volatile; and less than 1 is less volatile.Also known as a DRIP. A plan that allows stockinvestors to have their dividends automaticallyreinvested in shares of a stock. Such plans canbe handy for long-term investors who don’t careabout getting short-term income from dividends.Companies with DRIPs are generally wellestablished and may be good choices for beginninginvestors who are just starting to buy stocks.Blue ChipDollar Cost AveragingBetaA high-quality, relatively low-risk investment; theterm usually refers to stocks of large, wellestablishedcompanies that have performed well over a longperiod. The term Blue Chip is borrowed from poker,where the blue chips are the most valuable.Call OptionAn option contract that gives the owner of a securitythe right to buy a specific number of shares at aspecific price, within a specified period of time.Buyers use call options when they think a stock willgo up in value.Common StockSecurities that represent an ownership interestand give the investor voting rights in the issuingcorporation.Cyclical StockStock in an industry that tends to be volatile andsensitive to changes in economic conditions,such as the mining, forestry, housing, andautomobile industries.Debt/Equity RatioCalculated by dividing a company’s long-term debtby total shareholders’ equity. It measures howmuch of a company is financed by its debtholderscompared with its owners. A company with a lot ofdebt will have a very high debt/equity ratio, whileone with little debt will have a low debt/equity ratio.Assuming everything else is identical, companieswith lower debt/equity ratios are less risky thanthose with higher such ratios.Investing the same amount of money at regularintervals over an extended period of time,regardless of the share price. By investing a fixedamount, you purchase more shares when pricesare low, and fewer shares when prices are high. Thismay reduce your overall average cost of investing.EPSThe portion of a company’s profit allocated to eachoutstanding share of common stock. EPS serves asan indicator of a company’s profitability.ETFExchange Traded Fund describes the broad classof funds, excluding closed-end funds, which tradethroughout the day over an exchange. ETFs have lowannual expenses, but you must pay commissionsto trade them.Expense RatioA fund’s total annual operating expenses (includingmanagement fees, distribution (12b-1) fees, andother expenses) expressed as a percentage ofaverage net assets.GoodwillThe intangible “good name” value of a company.Goodwill is generally understood to representthe value of a business name, customer relations,and other intangible factors that contribute tothe earning power of a company. Familiar namessuch as Microsoft, Macdonald’s, and Coca-Cola,are examples of the value of well-respectednames. The buyer of a business is often willingto pay for the name in addition to the company’sassets. Accepted accounting principles require thatgoodwill be written off over a period of time.7
Interest CoveragePEG RatioMarket IndexThe price/earnings ratio used in the numeratorofthis ratio is calculated by taking the current shareprice and dividing by the mean EPS estimate for thecurrent fiscal year. A PEG Ratio means nothing initself, so for comparison we show the industry andS&P 500 averages.The number of times a company’s earningsbefore interest and taxes (EBIT) covers its interestexpense within the most recent reporting period.For instance, an interest coverage of 2 means thatEBIT was twice as much as interest expense. Thecalculation is EBIT divided by interest expense.A measurement of the performance of a specific“basket” of stocks, bonds, or other type ofinvestment considered to represent a particularmarket or sector of the stock or bond markets orthe economy.Net Asset Value (NAV)A mutual fund’s per-share value, calculated bysubtracting the fund’s liabilities from the value ofits assets and dividing the result by the number ofoutstanding fund shares. Mutual funds calculatetheir NAVs at least once each business day.No-load FundA mutual fund whose shares are sold withouta sales commission and that does not charge acombined 12b-1 fee and service fee of more than25 basis points or 0.25% per year.OptionThis is the right, but not the obligation, to buy orsell a specified amount of security, at a specifiedprice within a specified time frame. An optionrepresents a right acquired by the purchaser. A putoption gives the holder the right to sell the security.A call option gives the right to buy the security.P/B RatioThe price per share of a stock divided by its bookvalue (net worth) per share. For a stock portfolio,the ratio is the weighted average price-to-bookratio of the stocks it holds.Par ValuePar value is the amount originally paid for a bondand the amount that will be repaid at maturity.Bonds are typically sold in multiples of 1,000.A stock’s price/earnings ratio divided by thecompany’s projected EPS growth.Price/Earnings RatioThe Price/Earnings Ratio or P/E Ratio is astock’s current price divided by the company’strailing 12-month earnings per share fromcontinuous operations.Portfolio TurnoverA measure of a fund’s investment trading activity.Portfolio turnover is calculated as a percentageof a portfolio’s asset value that is bought or soldannually. Turnover represents the number oftimes portfolio assets are replaced. The higher thepercentage, the more the manager has traded.Price-to-Earnings (P/E) RatioA stock’s price divided by its earnings per share,which indicates how much investors are paying fora company’s earning power.P/E Ratio (1 yr trailing) (long position)Price of a stock divided by its earnings from thelatest year.P/E Ratio (1 yr forecast)Price of a stock divided by its projected earningsfor the coming year.Put OptionContract that gives the holder the right, but notthe obligation, to sell a fixed amount of stock ata specified price by a certain date. Buying a putoption provides protection on the downside sinceits value increases as the underlying stock declines.Qualified Retirement PlanA retirement plan that meets certain InternalRevenue Service rules allowing your investmentsand earnings to grow tax-free. Your 401(k) plan isan example of a qualified retirement plan.8
RatingsEvaluations of the credit quality of bondsusually made by independent rating services.Ratings generally measure the probability oftimely repayment of principal and interest ondebt securities.Real Estate Investment Trusts (REITs)Own and manage income-producing real estate.They are governed by many regulations: At least75% of gross income must come from rents, interestfrom mortgages, or other real estate investmentsand, most importantly, REITs must distribute atleast 90% of their taxable income to shareholderseach year as dividends. REITs specialize by propertytype. They invest in most major property types withnearly two thirds of investment being in offices,apartments, shopping centers, regional malls, andindustrial facilities.Return on Assets (ROA)The percentage a company earns on its assetsin a given year (Year 1, 2, etc.). The calculation isnet income divided by average total assets. Theresulting figure is then multiplied by 100. ROAshows how much profit a company generates onits asset base. The better the company, the moreprofit it generates as a percentage of its assets.The company’s net income is found in the annualincome statement. The company’s total assets arefound in the annual balance sheet.Return on Equity (ROE)The percentage a company earns on its total equityin a given year (Year 1, 2, etc.). The calculation isreturn on assets times financial leverage.Return on equity shows how much profit a companygenerates on the money shareholders haveinvested in the firm. The mission of any company isto earn a high return on equity. The company’s netincome is found in the annual income statement.The company’s net worth is taken from thecompany’s annual balance sheet.Sector FundSecuritiesAssets, such as stocks, bonds, etc., that allow theinvestor to participate in earnings, distributionof property, or other assets of the corporationissuing the security.Share ClassSome investment funds and companies offer morethan one type or group of shares, each of whichis considered a class (e.g., “Class A,” “Advisor” or“Institutional” shares). For most investment funds,each class has different fees and expenses but allof the classes invest in the same pool of securitiesand share the same investment objectives.Shares OutstandingThe average number of shares a public companyhad on the market during a certain period oftime, usually a quarter or a year. This figure isused to calculate earnings per share and otherper-share numbers.Short SaleThe sale of a security that the seller does not own.This is a highly speculative form of trading wherethe seller believes that the price of a security isgoing to fall and they will be able to cover the sale bybuying back the security at a lower price. The profitwould, therefore, be the difference between theinitial selling price and the subsequent purchaseprice. It is an illegal practice not to declare the tradea short sale when the order is placed.Stock SplitDividing a company’s outstanding commons sharesinto a larger number of shares. If a company had athree-for-one-split, for example, and a shareholderheld 100 shares before the split, they would own300 shares after the split.But the value of the company equity owned bythe shareholder would remain the same, only thenumber of units held would differ as the shareprice changes accordingly. Share splits are subjectto the approval of the company’s shareholders.A fund that invests in a particular or specializedsegment of the marketplace, such as stocks ofcompanies in the software, health care, or realestate industries.9
Target Date FundA diversified mutual fund that automatically shiftstoward a more conservative mix of investmentsas it approaches a particular year in the future,known as its “target date.” A target fund investorpicks a fund with the right target date based onhis or her particular investment goal. Also calledLifecycle Fund.Value StockTypically an overlooked or underpriced companythat is growing at slower rates.YieldThe interest or dividend paid with respect to asecurity. Yield is usually expressed as a percentageof the security’s price. More broadly, someinvestment advisors include capital appreciationas part of the yield.10
About the ExpertNancy Zambell has spent 30 years educating and helping individual investorsnavigate the minefields of the financial industry. She has created and/orwritten numerous investment publications, including UnDiscovered Stocks,UnTapped Opportunities, and Nancy Zambell’s Buried Treasures under 10. Nancyhas worked with MoneyShow.com for many years as an editor and interviewerfor their on-site video studios. She is currently the Editor-in-Chief of FinancialFreedom Magazine.As a lecturer and educator, Nancy has led seminars for individual investors atthe National Association of Investors, Investment Expo, and the Money Show.She has also taught finance, economics and banking at the college level, andhas been quoted extensively in The Wall Street Journal, Investor’s Business Daily,USA Today, and BusinessWeek.Nancy’s recent book, Make Money Buying & Selling Stocks is an introduction fornew investors and a reminder for experienced investors on how to profit inthe stock market.About Financial Freedom FederationThe Financial Freedom Federation (FFF) was founded in January 2020 with the goal of helping individuals,couples and families enjoy the lifestyle that comes from finding financial freedom. Headquartered in Salem,Mass., the Financial Freedom Federation recognizes that “financial freedom” means different things todifferent people. Paying off a mortgage and the monthly bills for some. Or it could mean paying for educationfor children, or grandchildren, or planning for a comfortable retirement. For others, it’s having the freedomto buy what they want, travel where they want to go, and do what they want to. FFF produces the monthlyFinancial Freedom Magazine, Wall Street’s Best Digest advisory, the Financial Freedom Reports, and FinancialFreedom Investor Briefings. The organization is an entirely member-funded operation. It does not acceptmoney from advertisers, brokers, investment advisors, or taxpayer support. Its sole mission is to serve you.This User Guide is published by Cabot Wealth Network. Cabot is neither a registered investment advisor nor a registered broker/dealer.Neither Cabot nor our employees are compensated in any way by the companies whose stocks we recommend. Sources of information arebelieved to be reliable but are in no way guaranteed to be complete or without error. Recommendations, opinions or suggestions are given withthe understanding that readers acting on the information assume all risks involved.We encourage readers of this user guide to consult with an independent financial advisor with respect to any investment in the securities mentionedherein. Any opinions, projections and predictions expressed in this profile are statements as of the date of this publication and are subject tochange without further notice. Past performance may not be indicative of future results. Cabot Wealth Network. Copying and/or electronic transmission of this report is a violation of the copyright law.176 North Street Salem, Massachusetts 01970 978-745-5532 cabotwealth.com11
healthcare, mutual funds, ETFs and more—all selected to present you with the best options to grow your investment portfolio. This User Guide outlines what you’ll get with your Wall Street’s Best Digest subscription and how it’s organized. The advisory c
Financial freedom is the point where you have the income you need to live the lifestyle you choose without you having to work. Financial Freedom is the ultimate freedom of choice. WHAT IS YOUR FREEDOM INCOME? Freedom Income is where your _ earn you enough income to pay for your _. .
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To overcome these challenges, Twitter engineering teams implement a hybrid-cloud SQL federation system, which processes around 10PB of data daily in production. This paper presents the evolution of the SQL system at Twitter including query federation, cluster federation, and storage federation. The remainder of this paper is organized as follows.
