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Showing posts from April, 2013

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Netflix Slides 8% After Weak Outlook Overshadows Strong Q1 Results

Netflix  shares fell more than  8% in after-hours trading , as a  disappointing second-quarter outlook  and leadership changes outweighed otherwise solid first-quarter results. Weak Guidance Sparks Sell-Off Netflix forecast  Q2 earnings of US$0.78 per share , below analyst expectations of  US$0.84 , while revenue is projected at  US$12.57 billion , missing the  US$12.64 billion consensus . The weaker guidance raised concerns over  near-term growth momentum , triggering a sharp negative market reaction. Strong Q1 Performance Fails to Impress For the first quarter: Revenue rose 16% YoY to US$12.25 billion  (above estimates) Earnings surged 86% to US$1.23 per share However, earnings were boosted by a  US$2.8 billion one-off termination fee , reducing the quality of underlying growth. Operating margin improved to  32.3% , but still came in  below expectations (32.4%) , further dampening sentiment. Rising Costs and Strategic Sh...

Singles Have Significantly Less Saved For Retirement Than Couples

If you are on your own, you’re probably not saving enough for retirement. That’s the conclusion of a new study published this week by the National Bureau of Economic Research on retirement readiness from two researchers at the RAND Corporation, a non-profit research firm. In Economic Preparation for Retirement, Michael Hurd and Susann Rohwedder found that 51% of the single people in the group of 66-to-69 year olds they looked at had a strong possibility of running into serious financial troubles in retirement. By comparison, only 23% of the couples in the study were at risk of outliving their savings. The group with the most retirement risk? Women who had not completed a high school education. Of that group, 73% are likely to run out of cash before they die. Surprisingly, though, the study found that Americans are, on average, better prepared for retirement than many believe. The study looked at the finances of early baby boomers, who have recently retired or are near retirement. ...

Universal Rule of Personal Financial Management: #3 - Never Depend On Single Income

Earning more, especially from linear income usually not sufficient for one to be financially independent. A very simple reason being, your linear income is finite and there is a limit on how much you can get from salary. Next, age will be the limitation for one, and before we know it, it is time for us to retire from the workforce - and this is also assuming one does not get retrench before reaching the retirement age. One of Warren Buffett's famous quote on earnings is "Never depend on single income. Make investment to create a second source". It's true that one should not depends on single income, by saying this does not mean that one should work very long hours or do the extra mile by working for different companies or having multiple part-time jobs. Like the famous investor say, make investment to create a second source. There are many types of investment; properties, stocks, funds or commodities. Different investment comes with different risk and return....