Return on investment is a vital analysis formula to occasionally take a look at, no matter what business you’re in.  It can sometimes take a while to get accurate results in a residual or retail business. Depending on the type of product or service you offer, some returns come faster while others take a long time to truly reveal themselves. You have to be in it for the long haul, plant your “seeds” and wait for them to grow; maybe waiting for the to reach their full potential.  Here is the definition of Return On Investment (or ROI for short) from Investopedia.

A performance measure used to evaluate the efficiency of an investment or to compare the efficiency of a number of different investments. To calculate ROI, the benefit (return) of an investment is divided by the cost of the investment; the result is expressed as a percentage or a ratio. 

The return on investment formula:

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#stockphotooftheday

Graduation time is fast approaching for high school and college students.  Many of them are thinking how they will even afford college.  Will they be able to get help from their parents? Or,  maybe some help from the government through financial aid?  Will they need to take out loans that will come back to haunt them once they are done with school?  Be smart when choosing your educational path.  Debt can stab you over with many pains, so be very careful when planning out your education.  I can’t stress enough how thankful I am for paying my way though a state university with a part time job working nights and weekends.  If you are a high school senior, be sure to apply for all the scholarships or grants that you can.  An extra $500 -1000 from smaller or local scholarships might not seem like much, but they will add up over 4 years.

Timing is everything… I think I might be a little late in the year for this image, but nevertheless it was a subject I wanted to cover.