Future Portfolio

In the second unit of the Econ class, which is called Wealth and Wages, the class learned about economic systems and studied how wealth is distributed through markets and governments. For the action project, we were assigned to create a personal investment portfolio. The purpose is to see how we take a certain amount of money, and invest it in stocks while seeing how that stock is doing. We were also asked to add SMART goals to layout what our incentive is to invest. It was interesting making this portfolio. I had a hard time understanding this whole stock process in the beginning, but with more research, I was starting to understand. I’m proud at how I took the time to do good and accurate research, in order to get a good portfolio. I hope you enjoy looking at my portfolio!

There was a certain scenario that we had to work with in this project. We had a college plan that was created 18 years ago by our guardian angel, with $18,000. Each month, $50 was added to the plan ($600 yearly). After 18 years at an average annual interest rate of 7%, compounded annually, the plan is now worth $49128.87. Yesterday, you cashed out your plan and deposited the money in a brokerage account to invest on your own.

In order to see if a stock is worth buying, I’ll look at the value. I want to see what’s low, and then sell it higher. I chose to have a longer time horizon because of my SMART goals. It’s going to take awhile before I can achieve them, but I’m totally up for it. I took a quiz online with the Rutgers New Jersey Agricultural Experiment Station, and I scored a 25, which means I have a average/moderate tolerance risk. Below, I have my goals listed for 1 year, 5 years, and 25 years.

1-year goal: Save about $15,000 to travel for one full summer.
5-year goal: Put a down payment of $10,000 for an Audi.
25 year goal- Buy a home in Lincoln Park: $350,000

I value companies that are family owned because there is a personal touch added to that company. It’s also easier to control that company and figure out the outcomes for that business. Another reason why I value them, is because those kind of companies value and understand the lifestyle of a larger family better, so they’ll do their best to meet their needs.

Company 1- Walmart.
I decided to invest in Walmart because other companies and retailers have tried to go head to head with Walmart, but have not been able to compete with their low prices. Their buying power has made their economic moat wide and sustainable. I also appreciate their mission which is, “Saving people money so they can live better”. It’s an international business, and it’s expected that Walmart will keep on making acquisitions internationally as time goes on to boost growth in the global market. They have a healthy payout ratio of 42.89%, which means that it has the potential to keep or increase its dividends.

Company 2- Walt Disney.
I decided to invest in Disney because it has an excellent growth rate. It gets that rate from its movie studio, business segment, consumer merchandise and theme parks. It’s also a top 10 stock. While doing my research, I discovered that it has a 10 year dividend growth rate of 23%. It also has a reasonable p/e ratio of 18.

Company 3-TJX.
The company TJX owns stores like TJ MAXX, Marshalls, and Homegoods. This company takes in name brand products that didn’t sell, and put them at a lower price in their department stores. Their highest earning revenue comes from their housing products because of the housing market recovery. It’s profit growth is expected to be 10%, while other department stores have only a single digit number when it comes to their growth.

1 year portfolio
I invested $15,000 in my one year goal.
30 shares of Wal-Mart at $70.11($2,103.30)(28% profile)
60 shares of TJX at $73.66($4,419.60)(72% profile) WMT and TJX together, has an expected ROI of 24.92%

5 year portfolioI invested $10,000 in my 5 year portfolio 

50 shares of Disney at $93.71 ($4,685.50) (30%)
22 shares of Wal-Mart at $70.11 ($1,542.42)(70%) DIS and WMT together, has an expected ROI of 389.27%

25 year portfolio
I invested $350,000 for my 25 year goal.

70 shares of TJX at $73.66($5,156.20) (60%)
50 shares of Disney at $93.71($4,685.50) (40%) TJX and DS together, has an expected ROI of 11681%.

I made three different investments, and 2 of them are in the same stock sector. Wal-mart and TJX is listed under consumer goods, and Disney is put under Entertainment. While deciding, I wanted to have at least one different stock in a different sector, which is one of the reasons why I chose Disney. Based on the math I did, I'm going to be able to reach my goals.

Citations:

Weil, Dan. "Best Investments: Good Investments In 2016 And Beyond | Bankrate.com." Best Investments: Good Investments In 2016 And Beyond | Bankrate.com. N.p., n.d. Web. 30 Oct. 2016.

BasuMallick, Chiradeep. "5 Reasons Why Disney Is a Must-Have Stock."TheStreet. N.p., 02 Sept. 2016. Web. 30 Oct. 2016.

Rossolillo, Nicholas. "Is Wal-Mart a Good Dividend Investment?" The Motley Fool. N.p., 01 Jan. 1970. Web. 30 Oct. 2016.

Listen to Dr. Seuss!

In the 2nd unit of the Journalism class, which is called Sound, the class studied the idea of how radio can let you hear the world. It was fun being able to listen to old radio reports, as well as new ones. The Fe's were also super interesting in this class. We were actually able to go to the media department at Columbia college For the action project, the class was assigned to create a podcast about a voice that we think made a influence in the 20th century. I had many people in mind, but at the end I chose Dr. Seuss. As a child, I remembered all his most of his books in my messy bookshelf. Even now, I still admire his work. I have a very special connection with one of his books, so I was very excited to put this together. I also really enjoyed interviewing people who also have a special connection with his work. I already knew some things about him, but as I was doing research I learned a lot more about him. Many things go unnoticed about him, and I think more people should be educated on the world's best children's author. He's a super cool guy! I hope you enjoy my podcast below.

WHEN	WHO/HOW	WHAT
0:00-0:34 0:34-0:46 0:48-1:12 1:13:1:39 1:40:2:10 2:11-2:18 2:18-2:35 2:35-2:52 2:53:311 3:11-3:25	[RD]     [Dr. Seuss] Music fades in   [Kid Voice]        [RD] Music Fades in again.  [Kid voice] [RD and kid] [RD and MF] [RD] [Adult speaker]   [RD] THE END	Hi, I’m RD from GCE Lab school. Today I’m going to talk about a voice that made a huge difference in people’s lives. His name is Dr.Seuss. He’s the best selling children's author of all time and revolutionized the way kids learned how to read with one simple concept, he made it fun. Many may think that his books just consist of silly rhymes and pictures, but there is so much more than that. His stories focus on obstacles and situations that we come upon as we go through life. They also hold many lessons that we can apply in our lives. I, Ted Geisel, and perhaps better known to the juvenile reading public as Dr. Seuss. My current best-seller, The Cat In The Hat, has sold so far, over a quarter of a million copies. Left foot, right foot, left foot, right. Feet in the morning, feet at night. Left foot, right foot, left foot, right. Wet foot, dry foot, high foot, low foot.Front feet, back feet, red feet, black feet. Left foot, righty foot. Reading is a huge part of everyone’s life, especially when you’re in first grade first learning how. I remember 6 year old me sitting in the classroom library looking for a cool book to read, and I’ll admit I was judging a book by its cover. My eyes finally came across The Foot Book by Dr. Seuss. For some reason the weird creature on the cover caught my attention, and when I opened it, so did the little amount of text. Feet, feet, feet, how many feet you meet.Slow feet, quick feet, trick feet, sick feet.Up feet, down feet.Here comes clown feet.Small feet, big feet.Here comes pig feet.His feet, her feet, fuzzy fur feet. So, what did this book teach you?It taught me that people are really different and that even our feet are different but that's okay. I’m going to talk to one of my friends who’s also into Dr. Seuss books. So what’s your connection with Dr. Seuss? The first book I ever read when I was little was The Cat In The Hat. This book was the first one I was actually able to read all the way through with no help. Because of that, this book will always hold a special place in my heart. Many think that Dr. Seuss’s work is just for children, but it’s not. Like I said before, his books hold hidden meanings and teach lessons. One example is his book, Who are you Sue Snue? I’m going to talk to an adult who has a connection with this book. In this book, Dr. Seuss covers a topic that many young people and adults go through. That topic is about finding yourself. The book focuses on a young girl who is pushed to find who she is and what she’s going to do with her life. I for sure have been gone through this, and I think I still am honestly. So, If you ever need advice, need a good laugh, or just want to take a trip down memory lane, make sure to pick up a Dr. Seuss book. Thanks for listening!