How to Invest Like Warren Buffett

business paper finance decision

Warren Buffett is perpetually one of the richest people in the world and almost universally considered to be the greatest stock picker the world has ever known. Therefore, Lots of people want to know Warren Buffett’s investment strategy.

While you might not ever be worth $50 billion, you can certainly learn a thing or two from “The Oracle” and greatly increase your wealth over the long term. All you have to do is invest like Warren Buffett.

Though Mr. Buffet has never officially written down his process for evaluating and choosing stocks, there is a lot that can be learned from his letters to his shareholders. With his many letters, we have been able to put a list together to help you think act, and invest like Warren Buffett.

crop pondering man analyzing expenses and taking notes
Photo by Dziana Hasanbekava on

How to invest like Warren Buffett:

Buy before the hype

Warren’s basic philosophy is to purchase a stock for less than it’s worth and then let the rest of the world finally figure it out, too. This is commonly referred to as value investing and has been the cornerstone of his philosophy from the very beginning.

  • In fact, the rest of the rules are really rules to find these companies.

The company must have strong profitability

Buffet prefers companies that are already profitable as opposed to companies that are likely to someday become profitable. There are several measures he utilizes to determine this. Some of these include Return on Equity (ROE), Return on Invested Capital (ROIC), and the profit margins.

  • ROE – While no one knows for sure, the general consensus is that he wants to see an ROE of 15% or more.
    • Profit Margins – In this case, we’re talking about dividing net income by net sales. Obviously, the higher the better.

The company must have low debt

Too much debt is bad for everyone, including companies. In case you thought we skipped ROIC above, we’re getting back to it now. Sometimes a company will appear to have a high ROE, but the number is actually artificially inflated. This can happen when the company is using debt to pay its bills. This is where ROIC comes into play.

  • ROIC removes debt from the calculation by adding it back to the shareholder equity prior to completing the ROE calculation. You can simply divide the company’s total liabilities by the shareholder equity. The higher the ratio is, the more a company is using debt to grow the company. Be careful.
    • Companies with a lot of debt can be harmed when either interest rates rise or credit becomes harder to acquire.

The company must have competent management

Buffett has always placed a lot of emphasis on a company’s management team. He favors intelligent, humble management that doesn’t simply follow the crowd. He has stated that his company simply allocates capital; it does not provide management.

  • He has traditionally stayed out of influencing a company’s management, but he insists that good management be present. Ensure the companies you invest in are being run by a competent management team.


Buffet refuses to invest in a business that he doesn’t understand. You will find that the businesses in which he invests are relatively simple. He largely avoids technology companies, because as he has stated, he doesn’t really understand that type of business. Only invest in what you are capable of understanding.

Be patient. It seems like Buffett has held some stocks since before the dawn of time. He has held many stocks for 5 years or more before the stock ever rose even 1%. Value investing takes time; you’re going to have to be patient to see the returns. Don’t be in a rush.

While we can’t all be Warren Buffett, we can certainly follow Warren Buffett’s investment strategy. Focus on underpriced companies with a history of profitability, little debt, and a competent management team. And remember to be patient! That is the key to what is Warren Buffett’s investment philosophy.

If you can do these things consistently, you’ll be surprised at the amount of wealth you can gain!

Online Marketing vs. Offline Marketing

street lights

Every successful business owner understands that marketing is an important part of their business. After all, marketing brings in new customers, profits, and long-term benefits for the business. There are two types of marketing. So, let’s discuss online marketing vs offline marketing.

people across on intersection
Photo by Vlad Alexandru Popa on

In thinking about marketing your business, you may have many questions, such as:

  • What’s the difference between online and offline marketing?
  • What are online and offline marketing strategies?
  • In the battle of online marketing vs offline marketing which is better

These are all important questions, and this guide will help you in making a decision.

What Is Online Marketing and How To Do Marketing Online?

Online marketing involves promoting your business, product, or service on the internet via your website, online ads, or social media.

Benefits of online marketing include:

You can see the engagement of your content and promotions. With social media channels, you can physically see what your audience thinks of your brand and marketing. If you’re seeing lots of likes and shares of your content, then surely, you’re doing something right!

It’s easy to track your return on investment (ROI). You can track clicks and sales when using ads online, so you can easily see which ads are the most profitable for you. This will help you to make smart decisions regarding future marketing strategies and campaigns.

You can target specific demographics. With online marketing, it’s possible to drive specific types of people to your offers – people who are more likely to buy your products.

There are also some negatives to using online marketing, such as:

Digital advertisements can be annoying. While it’s certainly clever that advertisers can target ads specifically to you, showing you ads for products that you searched for days previously. They can be highly annoying and even drive you away from a brand.

The ads are fleeting. Unlike a billboard, an online ad can easily be missed or ignored. It’s easy to scroll past an ad and click to the next page without even taking notice.

Online marketing is constantly evolving. Whether it’s the latest social media platform or a change to the search engine algorithm, there’s always something new to learn. If you don’t keep up with important trends, you may find yourself being left behind.

What Is Offline Marketing?

Offline marketing is typically anything that does not involve the internet, so any magazine or television advertisements are good examples of this type of marketing.

Benefits of offline marketing include:

It can be impactful and easy to understand. A billboard or TV commercial will often become part of a person’s daily life, so it will usually be easy to understand and digest.

Printed marketing materials are often permanent. Unless a magazine is recycled or put in the trash, then the advertisements found within will be permanent, so they can still work weeks, or even months, after first being published.

They are memorable. Many offline ads are memorable and likely to be remembered much better than an Instagram ad for example, which is almost instantly forgotten. Think of all the popular Super Bowl ads and other commercials that we all know so well that they become part of our culture.

Offline marketing also has some negative aspects, such as:

It’s difficult to measure the success of a campaign. There are ways to measure the success of a campaign, but they are not as in-depth or accurate as those available for online marketing.

It can be expensive. Typically, offline marketing can be expensive. Even a small run in your local newspaper or a single 30-second spot on TV can set you back a considerable amount.

Little feedback from your audience. After running the marketing campaign, you can rarely gauge the reactions from your potential customers.

Online marketing vs offline marketing?

Both online and offline marketing have their pros and cons.

Offline marketing is seen as more traditional and will be better aimed at the older generation, while online marketing is generally a better option for the younger generation. However, these are only generalities and might not apply to your business.

Plus, you don’t have to choose one over the other. Perhaps a combination of online and offline marketing will work best for your business.

You will need to understand what you want to achieve marketing-wise, what your budget is, and most importantly who your target audience is. Study your audience and go with what you think will work best with them, keeping your budget in mind. This will get you started.

Then, track what you can to determine which campaigns bring you the greatest profits. Run new campaigns and track those. Experience is the best determiner. Analyze as you go and stick with what’s working the best for your company until you find a new campaign that drives even greater profits.

Making Money in Your Spare Time

man in black suit jacket sitting beside table with macbook pro

Even if you have a good job, you may not have enough to pay all of your bills and still have money left over. There’s a way around that, though. You can look into making money in your spare time.

You don’t need to dedicate all your leisure time to making money in your spare time, either. Just a few hours a week would be enough. You could use your evenings after dinner or a day on the weekend. It’s not about getting rich or replacing your day job – it’s just about having a little extra. Even fifty or a hundred dollars a week might make the difference between paying a bill or not.

food wood arm love
Photo by Andre Taissin on

Where Do Your Talents Lie?

Everyone is good at something. Even if you aren’t sure what kinds of talents you have, think about what you like to do. Do people compliment you on your singing voice? Your cooking? Your handy work? The compassion that you have for children or the elderly? You have the potential to make money from your passions, interests, and skills! It’s not as hard as a lot of people make it out to be.

What kinds of hobbies do you have? Do you write? Take pictures? Paint or draw? Can you teach or tutor others? Are you handy? Make a list of what you’re good at and what you enjoy doing sometimes, these aren’t the same things.

Choose an activity from your list and then try these strategies when thinking about making money in your spare time:

  • Advertise your services in the newspaper so you can find people who need help.
  • Post your information on Craigslist and other ad sites where people hire others.
  • Start a website or blog where you can offer your talents and services.
  • Network with others who do the same things, so you can get ideas and advice.
  • Attend community events and hand out business cards.
  • Create a portfolio of your work and start showing it to others.

You never know when you might be able to make a connection that leads to something great. If you’re not prepared, that chance could slip away. Rather than wait for that moment, be ready in advance.

Start preparing now, knowing that making money in your spare time could take a little while. It may not happen overnight, but it will happen when you remain committed to it.

Yes, Attitude Does Matter

Remember that how you act can make a huge difference in whether someone hires you to do something. Even if you’re the best in the business, a bad attitude won’t get you very far. Stay positive, even when you get turned down for work.

Keep your head up and continue to improve. When people see that you’re committed to making money in your spare time and you’re actively looking for work, you’ll find people who will buy from you or hire you to do something.

A quick tip: Get letters of reference from people who hire you and use them in your portfolio to show future customers.

Word of mouth is also vital, so do your best job every time. If you make a mistake, admit it, and then work to make it right. People appreciate honesty, and you’ll get more work from those who see that you’re a quality person with the right mindset. These attributes can actually help you go farther than the actual level of talent you have.

So let your talents inspire you, rev up your can-do attitude, and you may be surprised how easy it really is to bring in some extra money in your spare time!

How to make money with your blog

a vintage typewriter

Ever wonder if you can make money with a blog? You can, but it is a long-term income strategy, not a get-rich-quick scheme. It may feel frustrating if you’ve been blogging for a while and aren’t making the money you thought you would.

Especially in the era of “gurus” who claim how easy it is to make money with a blog. Often, they brag about earning $100K a month. Today, I want to talk about how to monetize blogging, so you can quickly make money with a blog.

How to make money with a blog comes down to a few things:

  • Content
  • Traffic
  • Planning

Content is the foundation of your blog.

Don’t skimp on this part. Do your research and make sure everything you publish is top-notch. So many people start a blog thinking it’ll be easy to just throw some blog posts up and call it a day, but that’s not how it works. The reason “content is king” is such a popular saying is because it’s 100% true. Without great content, it’s difficult to make money with a blog.

How to monetize blog PRO TIP: Creating a content schedule or setting up an editorial calendar in Airtable or Trello can save you a lot of time – and headaches! Check out this article for comparison for both Airtable and Trello.

Traffic is important if you want to make money with a blog.

You don’t have to have millions of page views by any means, but if you don’t have eyeballs on your content, you can’t have sales, right?

If you’re relying on ads, your traffic is going to need to be much higher than if you’re building a solid email list and selling products. Either way, it never hurts to get more traffic.

How do make money with blogs Brainstorming step: How can you increase your traffic? Creating more content isn’t always the answer. Log into your Google Analytics and see which posts are in your top 10. Expand on those.

While content and traffic are important, keep in mind that planning also plays a huge role in how to monetize blogging.

If you’re writing whatever you feel like for the day with no rhyme or reason and then hitting publish, chances are, your blog will flop. Some bloggers build a brand based around sharing their lives or ranting, but the amount of people who truly care about how your day went and how you’re doing with your toddler’s potty training journey is usually fairly small.

People want to know what’s in it for them. What can you offer them? How can you help them? The key to getting your readers to come back day after day, week after week, is to educate or entertain. If you can do one or both of those things, you’re already ahead of many!

white paper with note
Photo by Bich Tran on

How to monetize blog with Ads

Making money with ads takes quite a bit of traffic. You can start out by charging for ad space manually on a new blog. For example, many new bloggers will charge $20 a month for ad space on their sidebar, until they get the traffic for ad networks. This is an easy way to make money with a blog!

It’s much less work to use an ad network, so that’s what most bloggers do. Ad networks like Ezoic are great to start out with because they have a lower traffic threshold. You can get approved with less than 10,000 page views per month.

To get approved for an ad network like Mediavine, you need at least 50,000 sessions per month. That’s not always an easy feat, but it can be done, regardless of your niche. AdThrive requires 150,000 sessions.

No matter which ad network you decide to go with, be sure to pay attention to how many ads are on your blog. Do you want video or pop-out ads to play? You have full control over how many ads and what kind of ads are displayed on your blog. Don’t feel like you have to “okay” every single ad placement.

After your ad network has placed ads on your blog, take a look at your blog as a visitor. Are there too many ads? Do they cover your content? Is the video pop-up too obnoxious? Everyone has their own idea of how many ads are the “right” amount. It’s important to play an active role in ad placement because this can make or break your readership.

street lights
Photo by Jose Francisco Fernandez Saura on

How to make money with blog by being an Affiliate

Some bloggers make six figures from affiliate earnings alone, which is so amazing! Getting started with affiliate marketing is something you can do as a new blogger. I recommend getting at least 10-15 solid blog posts published. While you could do it sooner, many brands only want to work with established bloggers. When they come to your site to see what your blog is about, you’ll want to make sure you put your best foot forward and have awesome content up!

To get started with promoting products as an affiliate, think about products you use on a regular basis and absolutely love. Think about products that will help make your readers’ lives easier. I like to choose products from sites like Shareasale, Awin, and Impact Radius. You can also reach out to companies and brands directly to see if they have an affiliate program you can join.

Don’t forget about Amazon! Some niches perform better than others when it comes to promoting Amazon products, and they don’t pay as much per product as other affiliates, but it’s a volume game.

How to monetize blogging PRO TIP: Only promote products you truly believe in. It may be tempting to promote junk products to make a quick buck, but I promise you’ll make more in the long run if you are your authentic self.

Make money on blog with products

Designing and selling your own digital products is one of my favorite ways to make passive income through blogs. You can sell ebooks, cheat sheets, a monthly membership, meal plans, or even courses. The possibilities with digital products are endless, and they’re mostly passive once you get them set up.

Create one time, sell thousands of times, rinse and repeat. Check out my other article for how to use a small email list to promote your blog and products.

The next steps

No matter which path(s) you decide to take towards monetizing your blog, remember it comes down to delivering value for your audience. If you write blog posts that are engaging, easy to read, and helpful, your audience will come back for more every single time.

How to Raise Your Credit Score

selective focus photo of green plant seedling on tree trunk

If you’re searching for how to raise your credit score by 100 points or more, you may be feeling overwhelmed and irritated by all the advice you’ve been reading online. The reality is that establishing credit is easy. However, we often over-complicate things. Let’s take a look at five ways to raise your credit score so you can obtain better interest rates… and other benefits of having a higher credit score.

How to raise my credit score by 100 Points in 5 Simple Steps

The higher your credit score, the more likely you will be to qualify for a reduced interest rate, better discounts, and financing for bigger purchases such as automobiles and homes.

With all of the financial “gurus” telling you to do this and that, it’s easy to see why people are confused about credit. Raising your credit score may be a difficult task, particularly if you don’t know where to begin or where to go!

bank blur business buy
Photo by Pixabay on

Understand where you are before you can know how to improve your credit score

The first step in raising your credit score is to understand what it is. If you want to check how much your credit is improving at a look, a site like Credit Karma is great, but if you want to purchase a home, you’ll need a more precise figure. provides a free copy of your credit report once a year. As an additional benefit, checking your credit report may assist you in detecting early indications of identity theft.

No matter what your credit score is, you can raise your credit score to 800+, so don’t be concerned if it’s in the low 400s. Many individuals start with a low credit score and work their way up to an 800 in a year or two. It may seem to be a long time at first, but in the great scheme of things, it is a blip on the radar. Spend a year or two focusing on increasing your credit score, and you’ll enjoy the rewards for the rest of your life.

Raise your credit score fast by knowing where you’re heading.

Set a target to raise your credit score by 100 points (or whatever your goal is). Unless you have numerous collections on your credit that you are presently unable to pay off, this may typically be accomplished in less than a year. Don’t be concerned if this is the case! You may be able to have some, if not all, of those collections taken down.

Add your credit score objective to your vision board, dream board, or even your phone background. Along with working hard to raise your credit score, see it occurring! How can you expect a better credit score if you can’t even imagine it? Here’s a hint: it can’t. Knowing you can achieve your credit score target is half the fight.

How to improve your credit score fast: send mail and make phone calls!

Write or type letters to the main credit bureaus and request that your collections be removed from your credit record. Also, write letters to the businesses to which you owe money.

Then, contact the collection agencies and seek pay-off amounts. If you have a $10,000 debt, you may be able to pay it off in half that amount – or less, depending on your circumstances.

While you’re there, go to and connect your bank account. In most instances, individuals get an immediate credit increase just by demonstrating that they pay their utility bills on time each month. What’s the greatest part? Experian does not report adversely if you do not make a payment; instead, it raises your credit score.

Even if you just receive a 20-point increase, using small techniques like these throughout your credit-building path will add up!

Raise your credit score by paying your bills.

crop faceless person with cash and calculator app on smartphone
Photo by Karolina Grabowska on

Moving ahead, be sure to pay all of your payments on schedule, every month. Set up reminders if you don’t already have them on auto-pay. A single late payment may lower your credit score by more than 40 points!

If you’re having financial difficulties, check out my other blog articles on creating an emergency fund and setting up a side business. Side hustles often develop into full-time revenue sources! Making more money is the most effective method to pay off debt. The sooner you pay it off, the more money you’ll save in interest and fees.

Don’t be scared of Credit Cards

Many individuals make the mistake of being reluctant to sign up for credit cards while mending and improving their credit. Even if you’ve had a terrible experience with debt in the past, consider if you’re ready to take this step. If you are concerned about overspending, using a secured credit card may be a better choice.

A credit card will not be appealing if you are in the proper frame of mind. You may even set it up on auto-pay for something inexpensive, such as Netflix, and pay off the amount each month. If you’re tempted to spend extra, put the card away or have your spouse keep it for you. For most individuals, the simplest approach to purchase a house is to use credit responsibly.

After you’ve gotten your feet wet with a secured card, consider looking at other credit card choices. Don’t always follow Credit Karma’s recommendations; they’re there to earn CK money for referrals and aren’t necessarily in your best interests. Open a credit card with no annual fee, use it to pay a bill or two each month, and earn airline miles while improving your credit.

Again, if you’re scared of being reckless with your credit card, set it up for ONE payment on auto-pay every month, then tear up or conceal the card from yourself. Set up an automatic payment from your bank to your credit card so that it is paid each month. You’re not spending more money; you’re simply spending it differently, collecting points and building credit along the way.

Once you’ve become accustomed to properly using credit cards, you may begin paying most or all of your expenses with one that earns points or airline miles. Some cards also offer cashback incentives, which means you may save even more money while improving your credit!

Each credit condition is unique. Use these basic recommendations to get started on increasing your credit score as soon as possible!

Sign up for our newsletter for more information and a exclusive deals