Gogoro Battery Swapping. (PRNewsfoto/Gogoro)
NEW YORK, Sept. 19, 2017 /PRNewswire/ -- Gogoro®, a technology leader transforming how innovation is bridging sustainable energy and urban transportation, today announced the completion of a $300 million Series C investment round that includes new investments from Temasek, an investment company headquartered in Singapore, Generation Investment Management, Sumitomo Corporation and ENGIE. The new investors join Gogoro's existing investors Dr. Samuel Yin, founder of the Tang Prize and chairman of Ruentex Group, Panasonic and others.
The Real Estate Roundtable President and CEO Jeffrey D. DeBoer (PRNewsFoto/Real Estate Roundtable) (PRNewsFoto/The Real Estate Roundtable)
WASHINGTON, Sept. 19, 2017 /PRNewswire-USNewswire/ -- Real Estate Roundtable President and Chief Executive Officer Jeffrey DeBoer today testified before the U.S. Senate Finance Committee, encouraging modest changes to the current taxation of commercial real estate that would continue to encourage economic growth while cautioning policymakers on specific business tax reform concepts that could cause severe market dislocation.
Brooke Vemuri, Assistant VP New Business; Eric W Lester, VP Administrative Services; Patrick M. Bowen, CLU, Senior Vice President, Distribution of Legal & General America accept 2017 LIDMA Innovation Award. (PRNewsfoto/Life Insurance Direct Marketing)
ATLANTA, Sept. 19, 2017 /PRNewswire-USNewswire/ -- The Life Insurance Direct Marketing Association (LIDMA) has today announced that it has selected Legal & General America as its first-ever Innovation Award winner. The announcement was made at LIDMA's 14(th) Annual Fall Meeting & Business Showcase, which took place at the Ritz-Carlton Tyson's Corner in McLean, Virginia.
PNM Resources (PRNewsFoto/PNM Resources, Inc.) (PRNewsFoto/PNM Resources, Inc.)
PNM Resources Board Declares Quarterly Common Stock Dividend
ALBUQUERQUE, N.M., Sept. 19, 2017 /PRNewswire/ -- At its regular meeting held today, the Board of Directors of PNM Resources (NYSE: PNM) declared the regular quarterly dividend of $0.2425 per share on the company's common stock. The dividend is payable November 14, 2017, to shareholders of record at the close of business October 30, 2017. Background:PNM Resources (NYSE: PNM) is an energy holding company based in Albuquerque, N.M., with 2016 consolidated operating revenues of $1.4 billion. Through its regulated utilities, PNM and TNMP, PNM Resources has approximately 2,791 megawatts of generation capacity and provides electricity to more than 767,000 homes and businesses in New Mexico and Texas. For more information, visit the company's website at www.PNMResources.com. CONTACTS: Analysts Media Jimmie Blotter Pahl Shipley (505) 241-2227  (505) 241-2782                                                                     View original content with multimedia:http://www.prnewswire.com/news-releases/pnm-resources-board-declares-quarterly-common-stock-dividend-300522453.html SOURCE PNM Resources, Inc.

 (PRNewsfoto/BioPharmX Corporation)
MENLO PARK, Calif., Sept. 13, 2017 /PRNewswire/ -- BioPharmX Corporation (NYSE MKT: BPMX), a specialty pharmaceutical company focusing on dermatology, today announced its financial results for the second quarter ended July 31, 2017 and discussed the progress of its clinical research.
Cracker Barrel Old Country Store logo (PRNewsFoto/Cracker Barrel)
LEBANON, Tenn., Sept. 13, 2017 /PRNewswire/ -- Cracker Barrel Old Country Store, Inc. ("Cracker Barrel" or the "Company") (Nasdaq: CBRL) today reported its financial results for the fourth quarter and for the fiscal year ended July 28, 2017. The Company also provided guidance for its 2018 fiscal year and first quarter:
American Outdoor Brands Corporation logo unveiled December 13, 2016. (PRNewsFoto/Smith & Wesson Holding Corporat)
SPRINGFIELD, Mass., Sept. 7, 2017 /PRNewswire/ -- American Outdoor Brands Corporation (NASDAQ Global Select: AOBC), one of the world's leading providers of firearms and quality products for the shooting, hunting, and rugged outdoor enthusiast, today announced financial results for the first quarter fiscal 2018, ended July 31, 2017.
Streamline Health helps hospitals optimize their mid-revenue cycle operations in ways that transform tangled revenue cycles into dynamic revenue streams. Our integrated solutions, technology-enabled services and analytics enable providers to secure accurate reimbursement in a value-based world. (PRNewsfoto/Streamline Health Solutions)
Streamline Health® Reports Second Quarter 2017 Revenues Of $5.9 Million; ($1.1 Million) Net Loss; Adjusted EBITDA Of $0.5 Million
ATLANTA, Sept. 13, 2017 /PRNewswire/ -- Streamline Health Solutions, Inc. (NASDAQ: STRM), provider of integrated solutions, technology-enabled services and analytics supporting revenue cycle optimization for healthcare enterprises, today announced financial results for the second quarter and first half of fiscal 2017, which ended July 31, 2017. Revenues for the three-month period ended July 31, 2017 decreased approximately 20% to $5.9 million over the revenues for the three-month period ended July 31, 2016 of $7.4 million, which included $1.0 million of perpetual license revenue.  Revenue was down approximately 7% year-over-year in the second quarter of fiscal 2017 when excluding the perpetual license revenue for the same period in 2016 ($5.9 million as compared to $6.4 million).  Recurring revenue comprised 82% of total revenue in the quarter. Revenues for the first six months of fiscal year 2017 were $11.8 million, down approximately 16% as compared to $14.1 million in the first half of fiscal 2016.  Revenue for the first six months of fiscal 2017 was down approximately 9% from the same period in 2016 when excluding the perpetual license revenue for the same period in 2016. Net loss for the second quarter of fiscal 2017 was $(1.1 million) as compared to a ($.7 million) net loss in the same period a year ago.  Net loss for the six months of fiscal 2017 was ($3.1 million) as compared to ($2.2 million) net loss for the same period in 2016. Adjusted EBITDA for the second quarter of fiscal 2017 was $0.5 million, down from $1.6 million in the second quarter of 2016. Adjusted EBITDA for the first six months of fiscal 2017 was break-even, as compared to $2.2 million in the first half of fiscal 2016. "Our second quarter financial performance started to show some of the promise we envisioned when we refocused our efforts to the middle of the revenue cycle.  During the quarter, we sold auditing services to four new clients such as Iora Health headquartered in Boston, Union General in Louisiana and St. Francis Medical Center in Missouri," stated David Sides, President and Chief Executive Officer, Streamline Health.  "Although these new contracts are small in terms of initial revenue contribution, we believe there is the opportunity for growth within each of these as we bring new technology to the relationships. Our pipeline for our new Streamline Health eValuator™ remains robust.  We closed a new client after the second quarter ended which we believe will be one of many throughout the second half of our fiscal year. We continue to believe that we will generate incremental growth in our bookings in the second half of this year and into 2018. Our balance sheet was mostly unchanged from the first quarter of this year as our cash on hand decreased the same amount as our debt.  Going forward, we do not foresee paying down our debt at such an accelerated pace; rather we plan to grow our cash on hand." Highlights for the three months ended July 31, 2017 included: Revenue for the second quarter 2017 was $5.9 million; Net loss for the second quarter 2017 was $(1.1 million); Adjusted EBITDA for the second quarter 2017 was $0.5 million; New sales bookings for the quarter were $1.1 million; and Backlog at the end of the quarter was $46.3 million. Conference Call InformationAn accompanying conference call will be hosted by David Sides, Chief Executive Officer and Nicholas Meeks, Senior Vice President and Chief Financial Officer. The call will be held at 9:00 AM ET, on Thursday, September 14, 2017 and will be accompanied by a live webcast. Please refer to the information below for conference call dial-in information and webcast registration. Conference Date: September 14, 2017, 9:00 AM ETWebcast Registration: Click Here Conference Dial-In: 866-564-2842 Conference Passcode: 5680323 Conference Call Name: Streamline Health Solutions Second Quarter 2017 Results Call Following the call, a replay will be available on the Company's website, www.streamlinehealth.net, in the Investor Relations section. *Non-GAAP Financial Measures Streamline Health reports its financial results in accordance with U.S. generally accepted accounting principles ("GAAP"). Streamline Health's management also evaluates and makes operating decisions using various other measures. One such measure is adjusted EBITDA, which is a non-GAAP financial measure. Streamline Health's management believes that this measure provides useful supplemental information regarding the performance of Streamline Health's business operations. Streamline Health defines "adjusted EBITDA" as net earnings (loss) plus interest expense, tax expense, depreciation and amortization expense of tangible and intangible assets, stock-based compensation expense, significant non-recurring operating expenses, and transactional related expenses including: gains and losses on debt and equity conversions, associate severances and related restructuring expenses, associate inducements, professional and advisory fees, and internal direct costs incurred to complete transactions. A table illustrating this measure is included in this press release. About Streamline HealthStreamline Health Solutions, Inc. (NASDAQ: STRM) is a healthcare industry leader in capturing, aggregating, and translating enterprise data into knowledge­ – providing actionable insights that support revenue cycle optimization for healthcare enterprises.   We deliver integrated solutions and analytics that enable providers to drive reimbursement in a value-based world. We share a common calling and commitment to advance the quality of life and the quality of healthcare – for society, our clients, the communities they serve, and the individual patient. For more information, please visit our website at www.streamlinehealth.net. Safe Harbor statement under the Private Securities Litigation Reform Act of 1995Statements made by Streamline Health Solutions, Inc. that are not historical facts are forward-looking statements that are subject to certain risks, uncertainties and important factors that could cause actual results to differ materially from those reflected in the forward-looking statements included herein. Forward-looking statements contained in this press release include, without limitation, statements regarding the Company's estimates of future revenue, backlog, results of investments in sales and marketing, success of future products and related expectations and assumptions.  These risks and uncertainties include, but are not limited to, the timing of contract negotiations and execution of contracts and the related timing of the revenue recognition related thereto, the potential cancellation of existing contracts or clients not completing projects included in the backlog, the impact of competitive solutions and pricing, solution demand and market acceptance, new solution development and enhancement of current solutions, key strategic alliances with vendors and channel partners that resell the Company's solutions, the ability of the Company to control costs, availability of solutions from third party vendors, the healthcare regulatory environment, potential changes in legislation, regulation and government funding affecting the healthcare industry, healthcare information systems budgets, availability of healthcare information systems trained personnel for implementation of new systems, as well as maintenance of legacy systems, fluctuations in operating results, effects of critical accounting policies and judgments, changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other similar entities, changes in economic, business and market conditions impacting the healthcare industry generally and the markets in which the Company operates and nationally, and the Company's ability to maintain compliance with the terms of its credit facilities, and other risks detailed from time to time in the Streamline Health Solutions, Inc. filings with the U. S. Securities and Exchange Commission. Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect management's analysis only as of the date hereof. The Company undertakes no obligation to publicly release the results of any revision to these forward-looking statements, which may be made to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events, except as required by law. Company Contact:Randy SalisburySVP, Chief Marketing Officer(404) 229-4242 randy.salisbury@streamlinehealth.net     STREAMLINE HEALTH SOLUTIONS, INC. CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited)   Three Months Ended Six Months Ended July 31, July 31, 2017 2016 2017 2016 Revenues:   Systems sales $ 328,692 $ 1,364,771 $ 707,415 $ 1,876,038   Professional services 571,812 548,080 991,847 1,238,695   Audit Services 291,441 -- 639,460 --   Maintenance and support 3,278,562 3,732,488 6,633,334 7,488,041   Software as a service 1,442,652 1,728,724 2,867,784 3,438,510         Total revenues 5,916,159 7,374,063 11,839,840 14,041,284 Operating expenses:   Cost of systems sales 596,799 671,631 1,162,850 1,417,115   Cost of professional services 543,206 529,024 1,258,421 1,167,788   Cost of Audit Services 391,439 -- 832,078 --   Cost of maintenance and support 768,140 835,353 1,574,662 1,693,171   Cost of software as a service 285,832 455,370 625,208 939,613   Selling, general and administrative 2,790,171 3,341,949 6,163,699 6,940,790   Research and development 1,495,972 2,108,567 3,052,910 3,830,754         Total operating expenses 6,871,559 7,941,894 14,669,828 15,989,231 Operating loss (955,400) (567,831) (2,829,988) (1,947,947) Other expense (income):   Interest expense (120,377) (120,014) (247,645) (282,026)   Miscellaneous income (expenses) (19,681) (44,756) (57,725) 21,466 Loss before income taxes (1,095,458) (732,601) (3,135,358) (2,208,507)   Income tax benefit (expense) (2,607) (1,701) (5,215) (3,402) Net loss $ (1,098,065) $ (734,302) $ (3,140,573) $ (2,211,909) Less: deemed dividends on Series A Preferred Shares -- (418,506) -- (803,225) Net loss attributable to common shareholders $ (1,098,065) $ (1,152,808) $ (3,140,573) $ (3,015,134) Basic net loss per common share $ (0.06) $ (0.06) $ (0.16) $ (0.16) Number of shares used in basic per common share computation 19,834,859 19,791,805 19,765,125 19,393,547 Diluted net loss per common share $ (0.06) $ (0.06) $ (0.16) $ (0.16) Number of shares used in diluted per common share computation 19,834,859 19,791,805 19,765,125 19,393,547       STREAMLINE HEALTH SOLUTIONS, INC. CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited)   Assets   July 31, January 31, 2017 2017 Current assets:   Cash and cash equivalents $ 2,916,459 $ 5,654,093   Accounts receivable, net of allowance for doubtful    accounts of $286,084 and $198,449, respectively 4,621,331 4,489,789   Contract receivables 69,625 466,423   Prepaid hardware and third party software for    future delivery 5,858 5,858   Prepaid client maintenance contracts 710,309 595,633   Other prepaid assets 861,300 732,496   Other current assets 665 439         Total current assets 9,185,547 11,944,731 Non-current assets:   Property and equipment:     Computer equipment 3,081,856 3,110,274     Computer software 831,242 827,642     Office furniture, fixtures and equipment 683,443 683,443     Leasehold improvements 729,348 729,348 5,325,889 5,350,707   Accumulated depreciation and amortization (3,814,938) (3,447,198)   Property and equipment, net 1,510,951 1,903,509  Capitalized software development costs, net of      accumulated amortization of $17,688,421 and      $16,544,797 respectively 4,285,069 4,584,245  Intangible assets, net of accumulated amortization     of $6,473,451 and $5,807,338, respectively 6,330,485 6,996,599  Goodwill 15,537,281 15,537,281  Other 636,232 672,133        Total non-current assets 28,300,018 29,693,767 $ 37,485,565 $ 41,638,498       STREAMLINE HEALTH SOLUTIONS, INC. CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited)   Liabilities and Stockholders' Equity   July 31, January 31, 2017 2017 Current liabilities:   Accounts payable $ 1,566,454 $ 1,116,525   Accrued compensation 481,528 496,706   Accrued other expenses 188,172 484,391   Current portion of term loan 596,980 655,804   Deferred revenues 9,298,192 9,916,454   Current portion of capital lease obligations 23,188 91,337         Total current liabilities 12,155,214 12,761,217 Non-current liabilities:   Term loan, net of deferred financing cost of $181,477 and     $199,211, respectively 4,164,381 4,883,286   Warrants liability 360 46,191   Royalty liability 2,423,602 2,350,754   Lease incentive liability 311,585 339,676  Deferred revenues, less current portion 363,910 568,515         Total non-current liabilities 7,263,838 8,188,422         Total liabilities 19,419,052 20,949,639 Series A 0% Convertible Redeemable Preferred stock, $.01 par value per share, $8,849,985 redemption value, 4,000,000 shares authorized, 2,949,995 issued and outstanding, net of unamortized preferred stock discount of $0 8,849,985 8,849,985 Stockholders' equity:   Common stock, $.01 par value per share, 45,000,000 shares    authorized, 19,962,672 and 19,695,391 shares issued and    outstanding, respectively 199,627 196,954   Additional paid in capital 81,183,325 80,667,771   Accumulated deficit (72,166,424) (69,025,851)         Total stockholders' equity 9,216,528 11,838,874 $ 37,485,565 $ 41,638,498       STREAMLINE HEALTH SOLUTIONS, INC. CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)   Six Months Ended July 31, 2017 2016 Operating activities:   Net loss $ (3,140,573) $ (2,211,909)   Adjustments to reconcile net loss to net cash provided by (used in) operating activities: Depreciation 403,090 630,706 Amortization of capitalized software development costs 1,143,624 1,425,962 Amortization of intangible assets 666,114 650,892 Amortization of other deferred costs 161,064 115,113 Valuation adjustment for warrants liability (45,831) (61,856) Share-based compensation expense 555,229 909,411 Other valuation adjustments 86,192 83,937     Loss on disposal of property and equipment (720) 567     Provision for accounts receivable 166,170 88,472   Changes in assets and liabilities, net of assets acquired: Accounts and contract receivables 99,086 357,774 Other assets (333,401) (214,327) Accounts payable 449,929 (403,600) Accrued expenses (352,132) (472,420) Deferred revenues (822,867) (759,411)   Net cash (used in) provided by operating activities (965,026) 139,311 Investing activities: Purchases of property and equipment (9,812) (60,518) Capitalization of software development costs (844,448) (936,560)   Net cash used in investing activities (854,260) (997,078) Financing activities: Principal repayments on term loan (813,197) (2,075,172) Principal payments on capital lease obligation (68,149) (438,962) Proceeds from exercise of stock options and stock purchase plan -- 14,793 Payments related to settlement of employee shared-based awards (37,002) (11,702)   Net cash used in financing activities (918,348) (2,511,043) Decrease in cash and cash equivalents (2,737,634) (3,368,810) Cash and cash equivalents at beginning of period 5,654,093 9,882,136 Cash and cash equivalents at end of period $ 2,916,459 $ 6,513,326       STREAMLINE HEALTH SOLUTIONS, INC. Backlog (Unaudited) Table A   July 31, 2017 January 31, 2017 July 31, 2016 Company Proprietary Software $ 11,458,000 $ 11,504,000 $ 15,133,000 Third Party Hardware and Software 50,000 150,000 200,000 Professional Services 3,517,000 4,068,000 5,563,000 Audit Services 1,454,000 1,847,000 -- Maintenance and Support 16,583,000 19,193,000 19,569,000 Software as a Service 13,300,000 13,861,000 13,177,000     Total $ 46,362,000 $ 50,623,000 $ 53,642,000       STREAMLINE HEALTH SOLUTIONS, INC. New Bookings  (Unaudited) Table B   Three Months Ended July 31, 2017 Value % of Total Bookings Streamline Health Software licenses $ 59,000 5% Software as a service 47,000 4% Maintenance and support 122,000 11% Audit Services 108,000 10% Professional services 777,000 70% Hardware & third party software -- 0% Total bookings $ 1,113,000 100%       Reconciliation of Non-GAAP Financial Measures (Unaudited) Table C   This press release contains a non-GAAP financial measure under the rules of the U.S. Securities and Exchange Commission for adjusted EBITDA. This non-GAAP information supplements and is not intended to represent a measure of performance in accordance with disclosures required by generally accepted accounting principles. Non-GAAP financial measures are used internally to manage the business, such as in establishing an annual operating budget. Non-GAAP financial measures are used by Streamline Health's management in its operating and financial decision-making because management believes these measures reflect ongoing business in a manner that allows meaningful period-to-period comparisons. Accordingly, the Company believes it is useful for investors and others to review both GAAP and non-GAAP measures in order to (a) understand and evaluate current operating performance and future prospects in the same manner as management does and (b) compare in a consistent manner the Company's current financial results with past financial results. The primary limitations associated with the use of non-GAAP financial measures are that these measures may not be directly comparable to the amounts reported by other companies and they do not include all items of income and expense that affect operations. The Company's management compensates for these limitations by considering the Company's financial results and outlook as determined in accordance with GAAP and by providing a detailed reconciliation of the non-GAAP financial measures to the most directly comparable GAAP measures in the tables attached to this press release. Streamline Health defines "adjusted EBITDA" as net earnings (loss) plus interest expense, tax expense, depreciation and amortization expense of tangible and intangible assets, stock-based compensation expense, significant non-recurring operating expenses, and transactional related expenses including: gains and losses on debt and equity conversions, associate severances and related restructuring expenses, associate inducements, professional and advisory fees, and internal direct costs incurred to complete transactions.   Reconciliation of net earnings (loss) to non-GAAP adjusted EBITDA (in thousands) Adjusted EBITDA Reconciliation Three Months Ended, Six Months Ended, July 31, 2017 July 31, 2016 July 31, 2017 July 31, 2016 Net loss $ (1,098) $ (734) $ (3,134) $ (2,212)     Interest expense 120 120 248 282     Income tax expense 3 2 5 3     Depreciation 200 310 403 631     Amortization of capitalized software  development costs 572 710 1,144 1,426     Amortization of intangible assets 333 325 666 651     Amortization of other costs 43 36 126 80 EBITDA 173 769 (549) 861     Share-based compensation expense 288 432 555 909     (Gain) Loss on disposal of fixed assets -- — (1) 1     Associate severances and other costs          relating to transactions or corporate restructuring -- 110 -- 110    Non-cash valuation adjustments to assets and liabilities 23 14 40 22     Transaction related professional fees, advisory fees and other internal direct costs -- 236 -- 255 Adjusted EBITDA $ 484 $ 1,561 $ 45 $ 2,158 Adjusted EBITDA Margin(1) 8% 21% --% 15% Adjusted EBITDA per diluted share Loss per share – diluted $ (0.06) $ (0.06) $ (0.16) $ (0.16) Adjusted EBITDA per adjusted diluted share (2) $ 0.02 $ 0.07 $ -- $ 0.10 Diluted weighted average shares 19,834,859 19,791,805 19,765,125 19,393,547     Includable incremental shares — adjusted EBITDA (3) 3,378,484 3,376,285 3,322,319 3,313,870 Adjusted diluted shares 23,213,343 23,168,090 23,087,444 22,707,417   (1) Adjusted EBITDA as a percentage of GAAP revenues. (2) Adjusted EBITDA per adjusted diluted share for the Company's common stock is computed using the more dilutive of the two-class method or the if-converted method. (3) The number of incremental shares that would be dilutive under profit assumption, only applicable under a GAAP net loss. If GAAP profit is earned in the current period, no additional incremental shares are assumed.     View original content with multimedia:http://www.prnewswire.com/news-releases/streamline-health-reports-second-quarter-2017-revenues-of-59-million-11-million-net-loss-adjusted-ebitda-of-05-million-300519140.html SOURCE Streamline Health Solutions, Inc.
Finance Attitude  - Wealth Management: What All Investors Should Know About Investment Funds <span style="font-size: 10px">(Credit: pixabay/Conmongt)</span>
Investment funds are one of the best-recommended options, while it approaches wealth management. They are widely available at a number of price points, making them ideal for investors while they are expert or novice in investment. Investors can choose to invest in funds, in the industries and products they are interested in. They also have the option of the funds that are timed according to their individual needs, especially if they are approaching retirement age.  
Finance Attitude - Chart Patterns on Commodity Market <span style="font-size: 10px">(Credit: pixabay/Pexels)</span>
The chart pattern is one of the most important parts of commodity trade market. The main thing of technical analysis is the price patterns repeat itself which means pattern and setup are repeated function in the commodity market. This pattern gives us important clue about the direction of price movement in any commodity chart. By recognizing the chart pattern we can predict how price will move in near future. There are many types of chart pattern in this market, we can implement those pattern in our chart to improve our trading style. Most of the chart patterns work smoothly in the commodity market. There is a high probability that chart pattern will follow the past movement. This is why chat patterns tools are so much profitable tools in the commodity market. Though they have the high probability to work out in the real market but sometimes those patterns do not work in the commodity market. That’s why you have to be more concern about the chart patterns. When you are using chart pattern analysis you need to be alert all the time.
Finance Attitude  - Investments – the Key to Your Financial Independence <span style="font-size: 10px">(Credit: pixabay/Meditations)</span>
July 4, 2017 /Kysha Wheeler/ -- Being a slave to debt or a lousy job is not exactly how we planned our adult lives. When we were kids we were all taught that working hard would pay off big time some day. Now, reality has sunk in and…. it sucks. Most jobs barely pay enough to cover the essentials and very few of us can afford to allow one pay check to meet the other. But all is not lost. With the very little we make, we can start earning real rewards if we master the fine art of making investments. Most millionaires will readily admit that investing wisely is the best option for individuals working to improve their finances.  
Finance Attitude - 5 Key Investing Stages To Help you Achieve Financial Freedom <span style="font-size: 10px">(Credit: stocksnap/Ryan Moreno)</span>
5 Key Investing Stages To Help You Achieve Financial Freedom
Sept. 18, 2017 /Lydia Wanjiru/ -- If you want to succeed financially, you must invest. Plan your financial short-term and long-term goals and objectives. It is no brainer that every journey must have a destination. In your financial journey, you need to put into consideration a number of things to achieve your goals at the end of it. This guide will give you a number of steps to take to help you to achieve financial security. 1.    Establish your financial position To invest requires you to save money. To decide how much and where to invest, you need to do the basic self-financial analysis. You need to answer a number of questions like: •    How much money do you have? •     What assets do you possess and how much are they bringing? •    How much money do you owe in terms of mortgages, personal loans, student loans, credit cards among others? It also involves doing future financial projections and deviations. For example, will the income remain steady, increase or decrease? Are there financial variations you are likely to encounter in the future? It also includes doing a past performance analysis in regards to money. Consider whether you are a thrift spender or a miser, check how you handle risk and emergency situations. This analysis is meant to help you establish what habits to keep and what to let go of. To succeed in savings and investments, you need sacrifice and discipline. 2.    Develop an investment plan There is an old adage that goes, “failure to plan is planning to fail”. Making a plan helps you to make SMART choices. You need to set clear goals and objectives and the timeline to achieve them. Investing SMART means being Specific on what you are aiming to achieve financially. Being able to ensure that the goals are Measurable and Achievable. Being Realistic and Relevant on your financial goals and also get Time-oriented goals. Develop a SWOT analysis. This involves analyzing your financial strengths, weaknesses, opportunities, and threats. When you put that into consideration, you are able to make sound financial decisions. 3.    Find a financial expert to guide you on the best investments for you A financial expert can help streamline your saving and investment choices. It is also imperative to seek the advice of a financial expert to help you make the right choices that most fit you, to know the right investments to make and to set realistic financial goals for yourself. 4.    Choose the best Investment After knowing what you want and where you want to go, it’s time to take the leap. This step involves diversifying and choosing your investment portfolio. It involves buying stocks, bonds, investing in real estate, starting an income generating activity among others. 5.    Review your savings and investments It is good to occasionally review the steps as it will help you know whether you are moving in the right direction or you have detoured. Do regular reviews of the performance of your different strategies and find out how they are performing. Savings and investment like any journey are bound to encounter potholes like inflation, price fluctuations, and volatility; but don’t lose focus of the ultimate goal. Get a financial advisor to explain to you the impact it may have on your investments and the right moves to make.