{"id":613,"date":"2021-02-05T17:41:29","date_gmt":"2021-02-05T17:41:29","guid":{"rendered":"http:\/\/www.2link.ca\/bugetfamilial\/?p=613"},"modified":"2021-02-05T19:14:15","modified_gmt":"2021-02-05T19:14:15","slug":"in-ce-sa-resurse","status":"publish","type":"post","link":"http:\/\/www.2link.ca\/bugetfamilial\/2021\/02\/05\/in-ce-sa-resurse\/","title":{"rendered":"\u00cen ce s\u0103… RESURSE"},"content":{"rendered":"
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\u00cemi pare r\u0103u dac\u0103 v-a\u021bi plictisit citind filosofia resurselor. Majoritatea oamenilor se plictisesc la aceste analize. “Yadda-yadda-yadda, spune-mi odat\u0103 revistele \u0219i resursele din care-mi pot lua informa\u021bia<\/em>“. \u00cen fapt, teoria e important\u0103, analiza celor ce facem \u0219i de ce facem e infinit mai important\u0103 dec\u00e2t informa\u021bia punctual\u0103, mai ales c\u00e2nd nu \u00eencerc\u0103m s\u0103 stingem un incendiu ci ne str\u0103duim s\u0103 punem o funda\u021bie solid\u0103 care s\u0103 ne ajute s\u0103 prosper\u0103m decade la r\u00e2nd. <\/p>\n\n\n\n

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Stansberry Research indic\u0103 c\u0103rui stil de investi\u021bie\/risc i se adreseaz\u0103 o revist\u0103 particular\u0103 <\/figcaption><\/figure>\n\n\n\n\n\n\n\n

Iat\u0103 \u00eens\u0103 ce materiale am folosit eu de-a lungul timpului (free = gratis, $ = 20-60$\/an, $$ = 100-200$\/an, $$$ = mii $\/an sau subscrip\u021bii pe via\u021b\u0103):<\/p>\n\n\n\n

  1. Stansberry Research<\/a> (free, $, $$, $$$<\/strong>) – Ofer\u0103 o pleiad\u0103 de reviste electronice concentrate pe diverse stiluri de investi\u021bie, pe diverse \u021beluri. Revistele gratuite ofer\u0103 cam acelea\u0219i ponturi ca \u0219i cele pl\u0103tite DAR la s\u0103pt\u0103m\u00e2ni distan\u021b\u0103. Av\u00e2nd extrem de mul\u021bi abona\u021bi (sute de mii) reu\u0219e\u0219te s\u0103 mute pia\u021ba – c\u00e2nd recomand\u0103 o companie, zeci de mii de oameni cump\u0103r\u0103 acea companie \u0219i dup\u0103 1-2 s\u0103pt\u0103m\u00e2ni pre\u021bul e semnificativ mai mare. Cu alte cuvinte, poate c\u0103 e indicat s\u0103 alege\u021bi o “newsletter” pl\u0103tit\u0103 – multe dintre ele cost\u0103 doar 39$\/an (150-160 RON) \u0219i ofer\u0103 \u0219i o perioad\u0103 de \u00eencercare (i.e. 3 luni – dac\u0103 anula\u021bi abonamentul \u00een 3 luni v\u0103 returneaz\u0103 banii). De la ei am folosit vreo 2 newsletter-uri dar cel mai bun a fost cel al lui Amy Calistri (mi se pare c\u0103 edita Income Investor); din nefericire, urma\u0219ul ei nu mai era at\u00e2t de str\u0103lucit.<\/li>
  2. Motley Fool<\/a> (free, $, $$, $$$<\/strong>) – sau versiunea canadian\u0103 (fool.ca); nu \u0219tiu dac\u0103 au o versiune european\u0103. Nu sunt r\u0103i \u00een recomandarea revistei generale – nici excep\u021bional de buni dar recomand\u0103rile lor mi-au f\u0103cut bani; poate prin acea profe\u021bie auto-\u00eemplinit\u0103, trimi\u021b\u00e2ndu-\u0219i abona\u021bii spre anumite investi\u021bii. M-au p\u0103c\u0103lit cu o revist\u0103 super-specializat\u0103 – am asistat la o prezentare unde-\u021bi spuneau c\u0103-\u021bi vor recomanda companii mirifice axate pe blockchain (tehnologia din spatele Bitcoin-ul dar care are aplica\u021bii mult mai sofisticate dec\u00e2t crypto). Le-am pl\u0103tit 1100$\/1an ca s\u0103 constat c\u0103-mi recomand\u0103 companii arhi-cunoscute – Square, Nasdaq etc. M-am \u00eenfuriat \u0219i, dup\u0103 o campanie de 1 lun\u0103, am ob\u021binut banii \u00eenapoi – \u0219i am anulat abonamentul la ei. \u00cen plus, ce nu mi-a pl\u0103cut la ei era faptul c\u0103 teza lor de investi\u021bie era destul de slab\/vag argumentat\u0103 – deci practic \u00ee\u021bi spun ni\u0219te generalit\u0103\u021bi apoi \u00ee\u021bi spun “cump\u0103r\u0103” sau “vinzi”. <\/li>
  3. Investing Daily <\/a>(free, $, $$<\/strong>). Acela\u0219i tip ca \u0219i Stansberry Research – reviste gratuite zilnice dar \u0219i premium, cu sume modeste. Am fost abonat la Personal Finance – o publica\u021bie potrivit\u0103 pentru omu\u0219teanul de r\u00e2nd. \u0218i la ei \u0219i la Stansberry teza de investi\u021bie (de ce s\u0103 investe\u0219ti \u00een asta sau \u00een ailalt\u0103?) e mult maibine argumentat\u0103, explicat\u0103 \u00een detaliu fa\u021b\u0103 de Motley Fool. <\/li>
  4. Dividend Stocks Rock<\/a> (free, $, $$<\/strong>). E revista la care sunt abonat \u00een prezent. O revist\u0103 care se potrive\u0219te cu stilul meu – economisire, investi\u021bii stabile, buy&hold (\u0219i sell <\/em>c\u00e2nd e cazul). Bine argumentat\u0103, folosesc indici cu care evalueaz\u0103 stabilitatea dividentului. Ca \u0219i de la Amy Calistri, din recomand\u0103rile lor nu numai c\u0103 m-am ales cu un divident bun pe care-l reinvestesc dar au \u0219i cre\u0219tere (growth) bun. De\u0219i subscriu la companiile care cresc dividentele continuu, \u0219i nu subscriu la companiile care pl\u0103tesc mai mult dec\u00e2t \u00ee\u0219i pot permite (dividente masive – 9-10%) uneori recomand\u0103 yield-uri penibile – 1 – 1.5%. <\/li><\/ol>\n\n\n\n

    Evident, exist\u0103 foarte multe resurse gratuite – cum ar fi Seeking Alpha<\/a>: pute\u021bi pescui de acolo idei \u0219i pute\u021bi verifica pe MorningStar sau alte resurse dac\u0103 ideile sunt bune. Din nefericire, acest celebru SeekingAlpha e o amestec\u0103tur\u0103 – oricine poate scrie acolo, oricine se poate pretinde un expert \u0219i s\u0103 debiteze prostii cu fraze coerente \u0219i inteligente. Unii \u0219tiu ce spun – sunt indivizi care-\u0219i creaz\u0103 audien\u021ba pentru revistele lor pl\u0103tite \u0219i-s profesioni\u0219ti sau semi-profesioni\u0219ti, al\u021bii sunt mici investitori cople\u0219i\u021bi de “confirmation bias” (au cump\u0103rat cine \u0219tie ce bazaconie \u0219i apoi bag\u0103 grafice \u0219i pove\u0219ti ca s\u0103 spun\u0103 ce minunat\u0103 e companie pe care toate firmele hedge o arunc\u0103 la gunoi). Deci, din acest SA lua\u021bi TOTUL cu un dram sau un kilogram de sare. <\/p>\n

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    <\/div><\/div>","protected":false},"excerpt":{"rendered":"

    \u00cemi pare r\u0103u dac\u0103 v-a\u021bi plictisit citind filosofia resurselor. Majoritatea oamenilor se plictisesc la aceste analize. “Yadda-yadda-yadda, spune-mi odat\u0103 revistele \u0219i resursele din care-mi pot lua informa\u021bia“. \u00cen fapt, teoria e important\u0103, analiza celor ce facem \u0219i de ce facem e infinit mai important\u0103 dec\u00e2t informa\u021bia punctual\u0103, mai ales c\u00e2nd nu \u00eencerc\u0103m s\u0103 stingem un incendiu ci ne str\u0103duim s\u0103 punem o funda\u021bie solid\u0103 care s\u0103 ne ajute s\u0103 prosper\u0103m decade la r\u00e2nd.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_s2mail":"yes","footnotes":""},"categories":[343,344,7],"tags":[],"class_list":["post-613","post","type-post","status-publish","format-standard","hentry","category-educatie","category-investitii","category-knowledge"],"_links":{"self":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/613","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/comments?post=613"}],"version-history":[{"count":2,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/613\/revisions"}],"predecessor-version":[{"id":618,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/613\/revisions\/618"}],"wp:attachment":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/media?parent=613"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/categories?post=613"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/tags?post=613"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}