Three Investment Strategies For DIY Investors

Ditching your bank and investing on your own is becoming increasingly popular these days, and for good reason. Banks are charging outrageous fees and aspiring retirees are catching on, and they’re catching on quick.

I created a quick chart that highlights the potential value of your investment account when doing it on your own, using a bank, and keeping your money in a high interest savings account. The results to be honest, were staggering.

This graph is available on my website,, and it really paints a picture on why people are attempting to invest on their own.

There’s One Key Issue With This

Although many people are starting to invest their own funds, very little are actually learning how to invest. More often than not, they simply head to the first brokerage they find, fund their accounts and start buying. I’ve been investing myself for the better part of 10 years now, and I’m still learning.

It’s an industry and task that is ever changing, and if you’re going to be successful, you must first develop the concrete knowledge needed, and then continue to adapt.

If you’re just starting out, this article is going to help you with one of those concrete concepts. And that is what type of investor do you want to be.

Three Core Investment Strategies

To me, there are 3 main forms of investing. Growth, income and value. All three require different skill levels in terms of analysis, risk tolerance and money management. Lets go over perhaps the most popular method first

Income Investing

Income, or dividend investing is by far the most popular investment strategy used by investors today.

When you’re investing for income, you’re still looking for appreciation in stock price, but it isn’t your primary concern. What you’re truly looking for is the dividend yield of the company.

A $10 000 investment in a company yielding 5% would give you $500 in dividends a year. Whatever the stock does in terms of price movement is simply a bonus or a detriment.

Income investing is primarily a strategy used by investors who are getting older, or have a low tolerance for risk. In order to see the reasoning behind this, you must first know why companies issue dividends.

Income companies have typically exhausted all avenues for growth. They have instead decided to return profits back to shareholders in the form of a dividend. Now, that isn’t to say they won’t grow at all, you just typically won’t see the same amount of stock appreciation as you would a growth stock. A 4% increase in stock price over the year is typically considered sub par, but combine that with a 5% yield, and you’ve got a solid 9% return.

Growth Investing

For the more risk adverse investor, growth stocks are the pinnacle of the investing world. When a new investor enters the markets, they often have thoughts of those huge returns that turned the average Joe into a millionaire.

However, this is where most people lose their money. Growth investing requires extensive analysis of a companies financials, because more often than not you’re betting on the future with these stocks.

Often overpriced due to the speculative nature of the stocks, growth companies place profits back into the company in order to try and increase revenues and sales rather than issue dividends to their shareholders.

An investor buying growth stocks is expecting a higher return than those investing in dividend stocks, mostly due to the increase in risk, and the typically over priced nature of the stocks. While a dividend stock may trade at 10 times their earnings, you may see growth stocks trading at 20-50 times their earnings.

If you spend the time researching and learning how to evaluate these stocks, you can make profitable “gambles” much like a poker player can tilt the odds in his favor. But like I said above, these stocks require extensive analysis, and an error in judgement could lead to a significant loss of funds.

Value Investing

An under rated form of investing, value investing sets investors out to find stocks that are currently trading below their intrinsic value.

As we seen with growth stocks, growth investors typically are happy to purchase companies that are currently overpriced, as future revenue and earnings will boost their share price to the point where an investor makes a very healthy return.

With value stocks however, you’re seeking out stocks you believe to be undervalued. What a value investors objective truly is, is to purchase an undervalued stock and reap the rewards when the stock returns to the value that it should be.

It’s getting harder and harder to find undervalued stocks these days, as we are currently in the center of a 8 year bull run. But they still do exist, and if you’re willing to put in the extensive amount of work it takes to analyze a companies financials to see if their stock price reflects the value of the company, there is money to be made in value investing.

Overall, Find a Strategy That Works For You

Before you start investing, it’s very important to sit down and decide your overall goals and risk tolerance.

Everyone is investing for something. It doesn’t necessarily need to be for retirement. You could be saving for a down payment, a new car or even a wedding.

Every single one of these investment goals will have different levels of return needed, different time intervals and ultimately different strategies.

If you’re investing for something in the near future like a down payment, it may not be wise to invest your money into growth stocks, as market fluctuations could leave you far below your end goal. However, if you’re investing for retirement and have no need for the money in the near future, if you’re able to handle some increased risks, growth stocks can really help you accelerate your portfolio and increase your portfolio quicker.

Ultimately, the decision is up to you, and it’s one that should be made after considerable thought.

Most Common WiFi Extender Issues And How To Resolve Them

WiFi extenders are a smart way to enjoy your wireless network in all corners of your office or house. Companies like Netgear have brought really enterprise-grade range extenders that have life simpler for users. However, things frustrate when a technical issue occurs with the device and you don;’t know what to do to resolve it.

Don’t worry! You are not alone.

Many users report on support forums about the different issues they are facing such as WiFi not working or forgetting the password. Such hiccups obstruct your online tasks and slow things down. It’s always annoying when no satisfactory replies come up.

Instead of scratching your head for some reliable solution more, you can rather scroll down the post and get your device fixed by yourself. In case you need some expert help, you can contact a professional agency to fix this for you in a matter of minutes.

Let’s take a look at some common issues occurring with Netgear WiFi extender setup and reliable fixes for these issues.

How To Resolve Issues With Your WiFi Repeater Or Extender

Unable To See An Available Network

Sometimes, a specific network doesn’t appear on the list of your available WiFi networks. This is annoying because you are unable connect with the network you are supposed to be. In that event, you can do perform the following actions to make the network show up on the list:

  • First off, see the WiFi icon on your smart device and gadget to see if there is no “x” sign
  • If the WiFi icon on your device is active, then it’s the problem with your cable modem and/or router
  • Check whether the WiFi network that you are trying to access if turned on properly
  • Make sure the power supply if full for all your modem, router, and extender (if it is wired)

A recommended solution to this problem is using a wireless range extender since wired connections have to depend on power supply. In case of fluctuations, wired devices suffer a lot and the WiFi network might not be available on the list.

Correct Password But Connection Still Failing

A username and password is required for installation and login to your extender. Only then you will be connected with your preferred wireless network. Sometimes, when you try to do it, the setup wizard doesn’t connect you with the network.

To fix this problem, first of all, check whether the password you have entered is correct. You might be recalling the word (set as the password) right but there could be some confusion about the letter case. So check for small and capital letters and then, add your password again.

Furthermore, make sure that the network you have selected and providing the password for is the right one. After you have double checked everything, try accessing your Netgear extender login again with your wireless network.

Inconsistent Network Connectivity

Intermittent WiFi connection is the most occurred issue with wireless boosters. There can be any reason why you are facing this issue. First of all, check whether your range extender and router are getting proper power supply. Also, check if there is no obstruction like microwave oven or Bluetooth devices to block the WiFi signals.

Another solution is to move your repeater close to the router it is connected with. Besides, you can also switch the frequency band on your extender if supports dual frequencies.

In case you are still facing any issues with your WiFi booster, you can ask for professional’s help online to guide you with assured solutions.