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By Megan Mccluskey, March 29, 2022 11:56 AM EDT

Link: https://time.com/6159943/netflix-password-sharing/

 

Netflix Is Cracking Down on Password Sharing. Here’s What You Need to Know

The streaming giant announced it was going to begin testing ways to make subscribers pay an additional fee for sharing their account with users outside their household

time.com

Summary

Netflix announced new password-sharing policy: some subscribers need to pay an additional fee for sharing their account with users outside their household. It's derived from the slowed subscriber growth, but it must take a risk: decrease of subscribers. 

According to the streaming giant, Netflix have already applied this new policy in Chile, Costa Rica, and Peru; the utility of two features for members would affect making a worldwide change. 

Mensah adds, "Netflix needs to tread carefully not to take advantage of its established customer base."

By Dori Zinn, September 27, 2021

Link: https://time.com/nextadvisor/investing/what-causes-stock-prices-to-go-up-and-down/

 

Here’s What Causes a Stock’s Price to Go Up or Down — And How to Protect Yourself From Market Volatility

A stock’s price goes up or down based on the news, past performance, and even emotions like fear. Here’s what investors should know.

time.com

Summary

Nobody can predict every element that goes into stock price fluctuations, though many try; that's what a hedge fund trader does. "NextAdvisor" recommends index funds including mutual funds and ETFs as they don't require lots of technical knowledge about the stock market. But you should know them in case of adding individual stocks to their portfolio. 

Here are the factors which move stock prices: Fundamental Factors, Technical Factors, News, Market Sentiment, Bottom Line.

  1. Fundamental Factors: composed of profitability and the valuation ratio. Also, P/E (price-to-earnings) ratio is significant; it's useful in comparing the performances of similar companies against one company's records
  2. Technical Factors: stock split, time/day of trading, and the stock price movement of another company that is in the same industry.
  3. News: news of the unexpected change of the company in the ability to generate future cash flows (required return on investment in equity). Quarterly earnings reports also cause the fluctuation; share price fall in Apple on January 2021, and a few major drops due to COVID-19. 
  4. Market Sentiment: The Behavioral Financial Theory, The Animal Spirit Theory. The BFT is the matter of biased investing decisions due to the overconfidence in a particular security or asset. In The AST, people follow the market; when the market is good(bad), investors will buy(sell). Use CBOE Volatility Index (VIX) or "fear index" to measure market sentiment; the higher(lower) the VIX goes, the higher(lower) the fear in the trader.
  5. Bottom Line: Diversify your portfolio as much as possible. Invest in ETFs and index funds instead of individual stocks. 

Terms

  • index funds: a portfolio of stocks or bonds designed to mimic the composition and performance of a financial market index - S&P Dow Jones Indices for their S&P 500 Index in US 
  • mutual funds: a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund's assets and attempt to produce capital gains or income for the fund's investors. 
  • Exchange-Traded Funds (ETFs): a type of pooled investment security that operates much like a mutual fund. Unlike mutual funds, ETFs can be purchased or sold on a stock exchange the same way that a regular stock can.   - SPDR S&P 500 ETF (SPY), tracking the S&P 500 Index 
  • P/E (price-to-earnings) ratio: the ratio for valuing a company that measures its current share price relative to its earnings per share 

Useful Website

Investopedia: https://www.investopedia.com

 

Investopedia

Investopedia is the world's leading source of financial content on the web, ranging from market news to retirement strategies, investing education to insights from advisors.

www.investopedia.com

 

By Alana Semuels, March 11, 2022 7:00 AM EST

link: https://time.com/6156751/remote-work-office-housing-market/

 

Return to the Office? Not in This Housing Market

Workers are being asked to choose between hellish commutes or unaffordable real estate. Some are saying no.

time.com

 

Summary

Last week, President Biden called on Americans to return to their offices; "get back to work and fill our great downtowns again" in the situation of 30% of home prices rise, 16% of renting prices rise, and 78% of gas price rise over the past two years. As follows, many companies have had their workers back in their offices. 
Nevertheless, a new working system has arrived in the US, especially Google and Apple: a hybrid work structure, in which employees come into the office 2-3 days a week. Within a hybrid working, housing prices in suburbs and exurbs of big cities have soared; expensive everywhere now. 
You need not worry about downtowns by permanent remote work as follows: third spaces, doughnut effect on cities, and easier commutes.
Plus, during the pandemic, the majority of employers switched to fully remote, and the family came to spend more time with each other; "Now, me and my wife are walking our kid to and from school, and that's incredible. I'm not going to trade that for anyone," said Ryan Pollard.
According to Bloom, a Stanford professor, remote work could help get more people from the sidelines into the labour market. 

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