Christopher Best Prepares to Enter His Second Career

Christopher Best is a specialist in the music of the saxophone, but he also plays the flute, the piano and the clarinet.  While continuing his work as a private music instructor, he is advancing toward his Masters in Finance from Florida International University.

Christopher Best looks forward to the variety of job opportunities which will be available to him after he has his Master of Science in Finance, which include investment services, corporate management, financial planning and international finance.


Christopher Best Walks the Ground of the Ancient Tequesta

There were perhaps 800 to 10,000 Tequesta Native Americans living in largely peaceful surroundings at the time Europeans first arrived in southeastern Florida in the 1500’s.  500 years later Americans like Christopher Best would live and work in the same environs which once hosted the peaceful huts of the Tequesta, who shared much in common with the Calusas to the southwest and the Mayaimis who lived around Lake Okeechobee in the Florida Everglades.

Christopher Best Walks the Ground of the Ancient Tequesta

The Tequesta and the tribes which were their neighbors shared indigenous pottery techniques and language, only a few words of which have been ascribed discernible meanings.  Florida Indians grew seed crops which had come from Mexico, while the Lucayans of the Bahamas grew root crops from South America, differences which attest to the strong cultural boundary of the Florida Straits which delineates the Floridian Native Americans from other Caribbean indigenous peoples.

Christopher Best Walks the Ground of the Ancient Tequesta

The Tequesta did not practice agriculture.  The Tequesta fished, hunted and gathered fruit and roots.    The Tequesta were recorded by Hernando de Escalante Fontaneda in the 16th century as having a diet of fish, turtle, snails and whale, as well as lobster, manatees, sharks, sailfish, porpoises and small fish.  The Tequesta also consumed venison and sea turtle eggs.  The rich resources of the sea led the Tequesta to establish their main village at the mouth of the Miami, but the tribe also consumed numerous plant foods including saw palmetto, sea grapes, prickly pear, palm nuts and the roots of certain plants.    The Tequestas would decamp to the Florida Keys or a barrier island to escape the mosquito season.

Christopher Best

South of the mouth of the Miami River, near today’s town of Tequesta, a site known as the Miami Circle has been uncovered.  Located on the site of an ancient Tequesta village, sea shells at the site date to 730BC, while charcoal samples have been dated to 1900 years ago.  A larger Tequesta site has been located on the north side of the Miami River as well.  At one time, the Tequesta dominated what is the downtown Miami of Florida today, creating a village of 500 to 600 or more inhabitants where their chief resided.   The end of the Tequesta was ignoble, as Spain’s policy was to remove the Floridian Indians to Cuba to be missionized, and many Tequesta died there of disease and starvation.  The few remaining Tequestas were to be found in the Florida Keys when Florida was surrendered to the British in 1763, and they were evacuated to Cuba.  Only abandoned Tequesta villages were to be found in Florida in the 1770’s, leaving the Seminole to fight a series of wars with the invading Europeans.

Looking today at the area where Christopher Best calls home, it takes a vivid imagination to recall the Tequesta Indians and their culture, which is remembered primarily by anthropologists

Christopher Best – What You Need To Know About Lending Investments

As a graduate student of finance at Florida International University, Christopher Best has significantly expanded his knowledge about investments in the recent years.

Christopher Best

When you buy a stock in a company, you own a part of the company. This is why stock investors are called shareholders. Lending investments are different from buying stocks. With lending investments, you lend your money to a company, bank or a government and get your money back in a certain period of time with interest. Lending investments are much more secure compared to stock investments. Because of this, they are not the best choice if you want to significantly grow your money. This being said lending is great for portfolio diversification, current income generation, and short-term investments.

You can find lending opportunities everywhere. Opening a certificate of deposit with your bank is a form of lending, too. Lending investments also include treasury bills, bonds, mortgages, and bond mutual funds. While opening a certificate of deposit with a bank that has a lot of branches in your area can make you feel very secure, operating all the physical branches costs a lot of money. This money comes from bank depositors, which is why the rates your local bank may have are probably very small in comparison to alternatives.

For example, money market funds often offer unlimited check writing and higher-yielding accounts compared to regular savings and checking accounts. Money market funds do not change their value. If you invest in a money market fund, you will earn dividends similarly to a bank account. That’s the basics of investing that students of finance such as Christopher Best learn early during their studies. In addition to higher yields, many money market funds are tax-free and offer you options that conventional banks don’t.


Christopher Best – How to Make Money in the Stock Market

Christopher Best is a graduate student at Florida International University pursuing a degree in finance.

Some people believe that investing in the stock market is similar to gambling in a casino. Casinos structure their layouts and their games in such a way that most of the patrons lose money. This is not the case with the stock market. History proves that investing in the stock market and investing for the long-term is a winning strategy because the market appreciates over the years.

Christopher Best

When you invest in the stock market, you can gain profit in two ways. The first one is getting dividends. Many companies pay dividends to their shareholders independently of the stock price. Stock price appreciation is the second way to make money in the stock market. You make money when the stock rises above the price that you have originally paid for it. However, this profit stays on paper until you sell the stock. Selling a stock at a higher price is also called realizing a capital gain. Obviously, stock price can also fall below what you originally purchased it for.

The stock market is quite efficient. A price of a stock of a certain company shows how many people think that it’s a fair price. This is why is it not realistic to hope to create a system that lets you buy low and sell high. While some experienced professional investors can identify great times to buy and sell, doing so on a regular basis is impossible. The simplest and most guaranteed way to make money in the stock market is to build a large diversified portfolio that includes shares of large and small companies from a variety of industries. Examples and simulations of different portfolios are what finance students like Christopher Best have to study to earn their degrees.

Recommended Post: Christopher Best – What You Need To Know About Lending Investments


Christopher Best – What You Need to Know about Buying Stocks in Companies

Christopher Best has been interested in finance for a long time. He is scheduled to complete his Master of Science in finance degree in December of 2016.

Buying stock in a company is similar to buying a business. This is exactly how Warren Buffet, one of the most successful investors of all times, looks at investing in companies. When you buy stock, you are buying a part of a business. One of the great questions to ask yourself when investing in a stock is whether you would like to own the entire company. If you wouldn’t, then you should think very carefully about purchasing a part of the company. Looking at investing from this point of view will allow you to be very cautious and reasonable.

When you consider investing in a company, you should learn everything you can about the company, including the products and services that it offers, the parts of the business responsible for the biggest percentage of revenue, diversification of the business, competitors, and market trends. It is wise to invest in businesses that you understand thoroughly and know what the company does and how well it does it.

Smart investing does require work. The more research you do, the more likely you are to invest wisely and possess stocks that are growing in value. Businesses come in all forms, shapes and sizes. You can invest in conglomerates that are already successful or you can choose to buy stocks of micro-companies that are only starting to show growth.

Christopher Best

Some investors like to buy stock of well-established businesses, while others would rather deal with smaller companies. No matter what strategy you choose, research all the stocks that you buy. Students of finance such as Christopher Best have to deal with a lot of case studies that show them all different scenarios of stock and market behavior.

Christopher Best – What You Need to Know About Major Stock Market Indexes

Christopher Best is a Miami native who is studying finance at Florida International University.

You invest in stocks to share in on the profits of capitalist economies. When you invest in stocks, you actually buy a part of a company. You do so through a stock market. You may often hear on the TV or the radio that the market is up or down, that the market is growing, or is ready for a fall.

Christopher Best

When people and the media talk about the market, they usually refer to the United States stock market. The Dow Jones Industrial Average is the most widely watched measure of how the U.S stock market is doing. The Dow Jones Industrial Average was created by Charles Dow and Eddie Jones in 1896. The first version of the index was first published in 1885. Charles Dow was an editor and founder of the Wall Street Journal and co-founder of Dow Jones & Company. Edward Jones was an American statistician. Dow and Jones created compilations of important companies at the time and organized them into an index to reflect the performance of the market.

The Dow Jones Industrial Average monitors the performance of the stocks of thirty big businesses with headquarters in the United States. It includes companies such as Boeing, Coca-Cola, Verizon Communications, IBM, Intel, Pfizer, McDonald’s, and others. Obviously, the thirty stocks in the Dow Jones Industrial Average do not represent the entire U.S. stock market and all the different types of stocks available to investors.

Here are some other important indexes. Standard & Poor’s (S&P) 500 tracks the prices of five hundred stocks of major U.S. businesses. Their businesses account for over seventy percent of the total market value of all the stocks available in the United States. For this reason, the S&P 500 gives a much better representation of the market than the Dow Jones Industrial Average. S&P 500 is also calculated in a different way from the Dow Jones. The Dow index adds the prices of the shares of the companies on the index. The S&P 500 adds the total capitalization of its component businesses.

Russell 2000 measures the value of two thousand smaller U.S. business stocks across a variety of industries. While these stocks usually move in a similar pattern to the stocks of big companies, sometimes Russell 2000 does go in a different direction compared to the Dow or the S&P 500. For example, in 2000, Russell 2000 decreased 1.6% while S&P 500 went up 5.5%.

Wilshire 5000 index includes about four thousand American companies of all sizes from a number of industries and market segments. This causes some experts to believe that this index gives the best representation of the overall U.S. stock market.

Businesses, stocks and stock markets exist not just in the United States, but all over the world. Morgan Stanley EAFE index tracks the prices of stocks in many countries all over the world. EAFE is an abbreviation for Europe, Australasia, and the Far East.

If you are interested in a specific industry or market, you can probably find an index that suits your needs very well. Finance students such as Christopher Best learn a lot about markets and market indexes during their studies.