Starbucks vs McDonalds: Which Should You Invest In?

Read more to take a closer look at the world’s 2 biggest franchises, Starbucks vs McDonald’s, and decide for yourself which is the better investing opportunity!

One boasts of billions served. The other sometimes has separate stores so close together they occupy the same block. Clearly, Starbucks and McDonald’s are both successful, but which one is the better investment?

The answer is more complicated than you might think. But we’ve analyzed the data, and we now present to you our guide to investing in two of the biggest fast-food stocks on the market.

If you want to forego commodities trading to invest in stocks, read our analysis for yourself below.

Efforts to Evolve

To begin our evaluation of which of these behemoths is worthy of your investment dollar, we wanted to look at what these businesses are doing to bring their food and their business models into the 21st century.


McDonald’s has been focusing its efforts on value. Its Dollar Menu now has options at $1, $2, and $3. And it’s making ordering more efficient by offering mobile ordering and in-store touch-screen options.

McDonald’s has also worked hard to improve the image of the food itself. The way the store has done this is by highlighting the fresh beef in its burgers.


Starbucks has gone a much different route than McDonald’s when it comes to the direction of its business. The coffee company has focused on expanding its menu to new coffee roasts, new specialty drinks, and its popular blonde roast.

Starbucks has also launched a line of Reserve coffee bars and roasteries that cater to a hipper taste. These locations add a high-class feel to the brand.

Current Performance

McDonald’s is the more established company, and it’s no shock that the restaurant is the biggest player in the market when it comes to fast food stock stocks. But let’s look at the numbers more closely to see what we find.


Right now, McDonald’s (MCD on the New York Stock Exchange) boasts a dividend yield of 2.43%. The company’s net common payout yield is 6.89%.

McDonald’s claimed more than $5 billion in fourth-quarter revenue last year, resulting in $1.71 adjusted earnings per share, or EPS, in the fourth quarter of 2017. Because the company’s operating costs rose, that’s actually a decline in quarterly revenues, but it is an increase in EPS.


Starbucks Corp. (SBUX on the NASDAQ) is currently sporting a dividend yield of 2.28% and a net common payout yield of 8.07%, beating McDonald’s in the latter category while trailing just a bit in the former.

The coffee chain reported revenue for its first fiscal quarter, which ended in December, north of $6 billion, with an adjusted EPS of $.65. The company’s revenue and EPS are up, though its operating income is down.

Future Forecast: Starbucks and McDonald’s

McDonald’s has had a dramatic stock turnaround in recent years, and it continues to boast robust numbers. It’s the number one fast food stock, and that looks to be the case for the near future at least. If you’re choosing the safer bet, consider buying McDonald’s stock.

But Starbucks is gaining ground quickly, and it seems to be the company better suited to adapting to changes in customer habits. Incidents like the one in Philadelphia earlier this year don’t help the brand, but the company has responded to such incidents quickly and decisively.

If you’re betting on the stock with the highest chance of reward, Starbucks might be for you.

Once you’ve settled the Starbucks and McDonald’s debate for yourself, take a look at our other investing tips.

How to Double Your Money with Your Investments in No Time Flat

You should get aggressive with your passive income, and we’ll show you how. Click here to learn how to double your money in no time at all.

According to recent research, debt is more common than ever. In fact, most people die with a whopping $62,000 in debt.

As a result, many people may be looking for ways to claw their way into the black. And you can do it with investments if you invest wisely.

In this article, we’ll talk about how to double your money with proven methods. In some cases, it may take several years, but the methods are pretty much foolproof.

Ready to go double or nothing? Read on!

How to Double Your Money with the Rule of 72

The rule of 72 is a classic way to double your money. While tried and true, this method could take a while, so you should be aware of that when you start.

This is a pretty simple rule. It states that the amount of time it will take you to double your money is the number 72 divided by the rate of return you have on your investment.

If your rate of return is 8%, you will divide 72 by 8. The answer to this equation is 9, meaning it will take you 9 years to double your money.

This method is fairly even and simple, even for those of us who aren’t math whizzes. And it’s proven to double your money, as long as you don’t touch the money you’ve invested.

Investing in Bonds

Bonds are slow to grow, but they’re a sure bet. You won’t strike it rich with a bond, and it’ll take you a while to double your money. Nevertheless, if you’re patient, you’ll earn a return.

These types of investments have almost no risk. The only way you could lose a bond is if a bank went completely bust a la the stock market crash of 1929. But since that’s relatively rare, you’re in safe hands.

Most bonds mature at a rate of about 4%, which isn’t great, but it’s better than nothing.

Doubling with the 50/50 Strategy

A 50/50 approach requires some risk in order for you to double your money. This one doesn’t guarantee you’ll double your bet, but it’s safer than plucking everything you have into a stock and seeing what happens.

With this method, you’ll invest 50% of your money into a bond or a CD. This way, you’ll surely have some money left over. Not only that, but you’ll have money that is actually actively earning interest.

Then, you’ll take the rest of your money and invest it in the stock market. Don’t be reckless and place it on a new company, but choose your stocks to invest in wisely.

If you get lucky, you might find yourself quadrupling your money, or even getting a higher rate of return.

You can use a money calendar to see where you’re at in your investments at any given time.

But, you do run the risk of losing everything you placed on the stock market, which is why experts suggest you leave 50% of your money untouched in the safety of a CD or bond.

Double Your Money with an Employee Retirement Plan

Some employers offer you a retirement plan that doubles the amount of money you’ve put into it.

While this isn’t as thrilling as stocks, or possibly isn’t even as satisfying as watching money mature in bonds, it’s a sure bet.

You can speak to your employer about your retirement package and whether or not they match contributions for you. If they do, this is a quick and sure way to make sure you double your money immediately.

If you still want to take some risk, you may want to put in 75% of your savings and have it doubled. Then, you can invest the rest on the stock market to play your odds. Who knows? You could walk away with a much bigger nest egg than you originally planned for.

Are Stock Markets Predictable?

While you can work with stockbrokers to try and invest in the very best stocks or the ones most likely to rise, you should be aware that nothing is guaranteed. While putting your money in stocks is a little bit safer than using your entire savings to buy lottery tickets, there is still a lot of uncertainty.

A recent study from Vanguard says that at least 60% of the stock market was unexplained after analyzing data from as far back as 1926. This means that educated guesses and using stockbrokers can only guarantee you so much. And that guarantee is about 40%.

As such, past success doesn’t seem to have much bearing on future success. Or at least, it only accounts for 40%. The rest seems to be up to an act of God. Therefore, there is a fair amount of luck involved in hitting it big on the stock market.

Because of this, you shouldn’t expect to double your money on the stock market, at least not right away. Instead, you have to think of it as a game of chess. You’re playing to win, not checkmate your partner on the very next move.

Padding Your Savings Account

After reading this article, you’ve likely learned that how to double your money depends on whether you want to play it safe or go out on a limb. Either way, doubling your money is totally possible, but it’s only guaranteed by going slow and steady. After all, that’s the only way to win the race.

Need cash now? Learn about the pros and cons of personal loans here.

4 Things You Should Know About Investing In a CD

A CD (Certificate of Deposit) is a financial product that is provided by financial institutions such as commercial banks or a credit union. When you invest in a CD, you are simply putting your hard earned money in a bank for a specified period of time that’s usually between 3 months and 5 years. Once the specified duration has lapsed, the bank gives you back your money with the accumulated interest. Most people use CDs to save money for a rainy day. However, some people confuse them with government bonds. There is actually a clear line between the two investment options. When you invest in a bond, you are simply loaning money to the government. But with a CD, your money is kept in a bank until the maturity date. If you are new to the world of CDs, it’s advisable you read the points outlined below to know more about this amazing investment tool.

  1. It’s a Low Risk Investment

This is definitely the good thing about investing in a CD. Unlike other investment options that depreciate with time or due to political and economic issues, an investment in CD remains stable regardless of the changes in circumstances. Even if the government announced an increase or a decline in interest rate, you would still make profit from your investment. The other advantage is that your investment can’t vanish into the thin air like a scam. This is because all CDs are protected by FDIC. You can therefore have peace of mind after you have put your money in such an account. It’s better to invest in a CD and earn a small interest than to venture into a risky business where the returns and seed capital are not guaranteed.

  1. You have to be Patient

A CD investment is not a get rich quick scheme. You can’t make money in an overnight just because you have put money in a CD. You must actually wait until the specified maturity date to be able to withdraw the principal and the accumulated interest. This means that you should never invest with money that you will need in the near future. Remember, the longer the investment period, the more profit you will make. Keep in mind that requesting for a withdrawal of funds before the maturity date attracts a huge penalty.

  1. It Yields More Returns than Checking and Savings Account

This one is a no brainer. A savings or checking account earns a very low interest when compared with a CD account. This is because you are allowed to access the money without any limitations. Regardless of the period you want to invest, the difference between the interest earned from CD and ordinary accounts is too big. A CD actually generates an interest that’s more than double the interest that’s earned from savings and checking accounts respectively.

  1. You can tell the Amount you will earn After Maturity

Most people prefer to invest in CDs because it’s possible to budget for the money before you earn it. In other words, you can confidently count your chickens before they hatch. This is due to the fact that the interest rate that’s allocated to your money is permanent. You can actually boost your earning potential by finding the best Jumbo CD rates. In fact, you can keep renewing your CD after it has matured as long as you don’t intend to use the principal amount in the near future.

The Advantages of Investing in Foreign Currency

The world is a large place that is made up of many different countries and each country has their own type of currency. There are currently over 164 different types of currencies in circulation in the world. Many countries will have more than one form of currency; some countries do not actually have their own money, and only use foreign currency. The most common types of currency are the dollar and the euro. The euro is accepted in 35 different states, and the dollar is accepted in 10 different foreign countries. The most traded currency is undoubtedly the US dollar. United States currency is used by 47% of people globally.

Forex is the world’s largest traded market. The market helps determine the current exchange rate. It is estimated that 87% of the market is contributed to US currency, and the euro comes in second place with a 33% daily turnover rate. There are many advantages when it comes to investing in foreign currency; if done right it can have huge rewards. One obscure type of currency that many are investing in is Iraqi Currency; there are a lot of different pros and cons when it comes to investing in foreign currency.

The Market is Always Changing

Many invest in the Iraqi currency because of its low-cost price point; one US dollar is currently worth $1,190,96 IQD (Iraqi dinar). Iraq’s economy is slowly starting to improve as the country continues to modernize by incorporating elements of the western culture and as they continue to work towards strengthening their economic relations with other countries. Investing in another country’s currency can produce huge financial gains if their currency rate improves. It’s always best for you to invest when the currency rate is at its lowest. Iraq is in the top ten countries of oil reserves in the world. The value of the Iraqi dinar was going strong up until the late 1980’s but its value diminished significantly during the Gulf War, and continued to decrease in value. The good news is the country’s economy has been able to recover substantially since the fall of the of Saddam Hussein’s regime. Iraq has since been able to rebuild many of its oil production facilities that were destroyed during the war with the United States. With a steady oil supply, the country’s wealth will only increase.

Explore and Evaluate Your Options

There are many other countries besides Iraq whose currency is worth investing in, such as New Zealand which usually has a high exchange rate. You could also consider investing in Singapore currency, also known as the Singapore dollar. It is currently one of the most stable currencies in all of Asia. Singapore continues to be a major international financial hub for investors and bankers, which is why the country has over 100 commercial banks. Poland is another promising country when it comes to investing. It may not be the most conventional option, but the Polish Zloty is in strong demand. Poland is a country with little debt and its economic growth continues to increase

The Pros and Cons of Investing


  • Low Cost: One of the greatest things about investing in foreign currency is, unlike stocks, you do not have to pay any type of brokerage commissions.
  • Fast Returns: Compared to every other type of financial market, the currency exchange market produces the highest value in liquidity with a market that is continuously rotating. There is never a risk of stock manipulation.
  • Short Selling: In many markets, short selling may be a bit frowned upon, but it’s a lot different when it comes to investing in currencies. Currencies have to be bought and sold as pairs, so if a trader decides to buy one currency, he’ll also be selling another.


  • The process of determining the price: Currency rates are influenced by a variety of factors, many times global politics will play a part in determining the valuation. This is why it can be a bit difficult when it comes to evaluating currency prices.
  • High Risk: There is a good amount of risk involved when it comes to investing in any sort of investment. You could invest one dollar and be 50 to 100 dollars richer, but you can just as easily invest 100 dollars and have it only be worth one dollar the next day.

Your Key to Success – Commodities Trading

Online commodity trading provides an opportunity for portfolio diversification from the conventional securities. Successful commodity traders invest in commodities as a way of shielding themselves from unusual stock market volatility. Commodity trading can also be done long-term, for physical commodities such as oil and gold to generate wealth.

What is commodity trading?

Commodity trading is an investment strategy that involves trading of physical goods as opposed to stocks. The most traded commodities in the world include metals such as gold and silver and minerals such as oil. Agricultural commodities such as soybeans are also widely traded commodities. With the invention of the internet, traders can now open and operate an online commodity trading account.

Commodities can be bought in an exchange market such as the New York Mercantile Exchange for an equivalent value of the commodity in monetary terms. Then, the trader gains or loses depending on whether the commodity increases in value or loses it. is a website that offers excellent forex guides and forex broker reviews. Forex and commodity trading are related. Knowing the best broker to trade with is the starting point of a successful commodity trading.

What commodities are traded?

The commonly traded commodities in the financial markets include:


  • Coffee: the commodity has a huge global demand. It has a huge supply as well and generates an excess of 1.6% of GDP value in the US.
  • Corn: it is useful in livestock and human feeding and has an industrial application in the manufacturing of ethanol fuel. It is also added to soft drinks as a sweetener. The demand for food and energy is high and this means the commodity will remain significant in the commodity market.
  • Soybeans: The oil obtained from soybeans is used in the preparation of bread and cakes. Crushed soybeans provide livestock food. Soybean oil is also a product used in biofuels. As demand for fuel and food products increases, soybeans demand will also increase.
  • Wheat: wheat has been an important food crop globally for a long time. The prices of wheat are compared to its substitutes including corn, oats or barley. Variation in the relative prices of wheat and its substitutes determines the variation in demand between them and soybeans.


  • Crude oil: It has the most weighed impact on the entire world economy. Oil is a commodity extensively used in the transportation industry. It is also used in industrial production of synthetic textiles, computers, cosmetics e.t.c. The demand for this commodity is therefore very high.
  • Natural gas: has industrial and commercial uses. It is used in electricity generation and is a clean source of energy.US and Russia are the two main producers of this commodity.
  • Gasoline: It is the product of refined crude oil. It is mainly used in fueling cars and has an inelastic demand. Crack spreads are traded by commodity traders for the difference in the pricing of refined oil products and crude oil.


  • Gold: it has a high demand due to speculation around it. It is conceived as an alternative to paper currency. It has negative correlation movements to dollar currency. It is also useful in making jewelry or electronics.
  • Silver: It is weaker than gold but attracts massive speculation from traders. It is compared in form of ratios to gold to determine its relative strength. Has an industrial application in making jewelry e.t.c.
  • Copper: The metal has a significant indication on the overall global GDP strength. It is widely used in infrastructure building. Its use signifies a bullish speculation on global GDP.

What are the main trends of commodities trading?

Risk mitigation: Risk analysis has become essential for commodity traders to enable them to make wise trading decisions. Risk analysis has become a critical tool for the effective control of commodity market default risk.

Liquidity: With the invention of the internet and online trading, commodity trading has become widespread in the exchange markets. More traders now find it easier to trade which generates a higher liquidity for the global commodity exchange markets.

Complex Market Data: The market data for commodity prices has become diverse and voluminous. Therefore, timely data interpretation and management has become critical for successful commodity trading.

Consolidation: The exchange companies for the futures and other commodity products are becoming global through mergers or acquisitions. For instance, Tokyo Commodity Exchange established collaboration with Dubai Mercantile Exchange for the facilitation of energy products exchange.

Deregulation: The commodity market industry is increasingly becoming deregulated to allow for a global trade. This process has enhanced growth of commodity trade and creates good future prospects for growth.

What is the influence on this market?

The influence in the commodity markets is driven by the forces of demand and supply. Demand defines how much value of commodity traders are willing to buy at a given price. Supply is the availability of the commodity based on how much of the commodity a market offers. A shortage in supply drives demand up and vice versa.

World commodity traders are finding it easier dealing in commodities due to the invention of digital commodity trading platforms. With such a trend, commodity trading remains a viable business as long as the demand and supply factors continue to fall in place.

Why should you invest in the UK’s ‘Second City’ of Manchester?

Are you considering a UK buy to let property investment? Manchester is now leading the way as one of the most popular destinations in the world to source and secure a lucrative investment. Regeneration initiatives are rapidly changing the city’s skyline, transforming the city’s old glorified heritage into stylish, modern new builds, providing a diverse array of opportunities throughout the urban metropolis.

Experiencing a revival from an industrial graveyard to a thriving cosmopolitan district used for living, working and leisure, Manchester has quickly earned its reputation as the ‘second city’ in the UK after London, predicted to soar past the capital in the near future. Investors experience the hive of activity on Manchester’s buzzing streets, especially through the property sector.

Brimming with investment from regeneration schemes, a multitude of flagship projects has injected money into the city’s economy – Spinningfields is a £1.5 billion project which has been compared to London’s financial district Canary Wharf, MediaCityUK in Salford encompassing award winning digital and media corporations valued at over £1 billion, and NOMA, a heritage led project worth £800 million consisting of grade A office space, retailer and residential housing. Properties surrounding hotspot areas such as these can benefit from the biggest pull of tenants who are keen to take advantage of the burgeoning district.

Greater Manchester’s population is increasing exponentially, producing spikes in demand for residential accommodation. Undersupply of property is evident in certain areas across the city such as Deansgate, Castlefield and Ancoats which serves as great news for investors who can capitalise on the constant flow of tenants. Millennials are flooding to the area in order to relocate for work purposes, pushing up the demand for state of the art housing with premium facilities and amenities.

RW Invest property specialists have a diverse range of deluxe properties across Manchester offering tenants access to rooftop gardens, on site cinemas, gyms and more. Click here to view their full profile:

Student property is amongst the most lucrative throughout Manchester as an excess of 85,000 students attend the University of Manchester, Manchester Metropolitan University plus the University of Salford. Similarly, there is a shortage of student property which fails to compete with the soaring student numbers in the area, underpinning investor’s strong desire to secure a robust investment with masses of tenant appeal.

Residential and student sectors across Manchester are some of the top performing sectors due to a number of factors helping properties achieve some of the best rental yields in the UK. Not only are these experiencing an all-time high, but developers place so much trust and confidence into the area that they assure the returns for several years. Luckily, Manchester’s yields are some of the most promising and come up above average when compared with other hotspots across the UK.

Price as well as yields provides a major attraction for the UK’s second city with lower initial costs compared to the capital of London, prices are set to increase as much as 20-25%, highlighting Manchester as a prominent city every discerning property investor should have in their portfolio.

The Best And Trusted CFD Brokers In The UK Regulated By FCA

These days, it is recognized that plentiful CFDs brokers are available. Nevertheless, potential traders always reach out to select the ones that are trusted to trade with. Therefore, this article lists the regulated brokers by FCA, one of the most popular regulators in the UK.

What is more, this informational article aims to answer questions that novice traders might have such as what is a CFD, what is the FCA and what is its role as well as providing a list with trusted CFDs trading brokers in the UK who are regulated by the FCA. Lastly, some of the best and most popular brokers are presented. As always, traders should educate themselves and practice on a demo account before switching to a real money account in order to maximize their knowledge and minimize their losses.

Furthermore, it is always a good idea for traders, novice and experienced alike, to place trades with a regulated broker instead of a non-regulated one in order to keep their funds safe. Additionally, by trading with a regulated CFDs broker, traders can enhance their trading experience since most regulated brokers usually offer signals as well as trading strategies.

What are CFDs?

One might wonder what CFD stands for. CFD is short for contract for difference. In addition, CFD is an agreement that the broker and the trader enter. In this agreement, the trader is committed to buy from the broker an instrument that mirrors the underling asset’s price movement. Moreover, the one who outlines the margin requirements, which usually are lower than the standard margin requirements related to stocks, for buying a CFD at the asking price is none other than the broker.

Then, the CFD contract can be sold by the trader whenever he wishes at the current bid price. Most CFDs are available internationally. It should be noted that since there is leverage and the capital invested is lower thus, the losses and wins related to CFD trading are also, exaggerated. For this reason, brokers must provide the following to aid traders to manage their positions more efficiently:

  • Firstly, they need to give access to global markets
  • Secondly, they should include CFDs in their comprehensive portfolio reports
  • Thirdly, they have to enable stop, limit and other types of orders
  • Fourthly, brokers must offer 24/7 customer support
  • Lastly, they ought to deliver a mobile option as well as email alerts

What is the FCA and what is its role?

FCA is short for Financial Conduct Authority and is the regulator for the Forex CFDs brokers in the UK. The FCA license is well sought-after and brokers who have it are considered trusted since the FCA is around for years now and is also, seen as a respected regulator.

In addition, FCA is a strict regulator and this means that any broker that is regulated by FCA will act in their clients’ best interests. If brokers do not comply, then, they will need to pay large fines if for example, they manipulate prices or do not act in their clients’ best interests.

Furthermore, if any of the FCA regulated brokers go bankrupt then, the trader is secure since the FCA will cover for them up to £30,000 and 90% for the following £20,000. Nevertheless, the total amount should be less than £50,000.

To sum up, this informational articles answers questions that are useful for new traders as well as providing a list with FCA regulated CFDs brokers. An explanation of the FCA and its role is given too. As always, traders should be very careful with their trading and should preferably trade with regulated brokers where their funds will be safe and also, to have a better trading experience since most of these brokers offer free signals, educational material and a demo account to practice.

The Perfect Way To Read The Forex Charts

The Forex market can be confusing for the ones who trade for the first time. If you are trading for the first time it is no wonder that you would have difficulties in reading the chart. Actually, there are different options to trade but most methods confuse the newbies. If you ask a professional Singaporean trader you would understand why charts are crucial. It can be considered as a trusted method to trade the market. You would be able to trade the market accordingly with the support of the charts. But the problem is, do you know to read the charts? How well are you aware of reading the charts? If you are interested in charts, you are a technical trader. You would be anticipating the market with the use of indicators and tools. Technical traders use these to identify the trends and price movements to enter into trades. On the other hand, fundamental traders are the ones who trade the market based on the actual information. However, you should know to read charts accurately if you want to make the right decisions.

Trading sessions

Before you start digging deep you have to understand the importance of different trading sessions. If you do the technical analysis in the EURUSD pair during the Asian trading session you can’t find any good trades. First of all, you have to understand which pair you should trade on a specific day. Since the new traders don’t have any clear clue about different trading sessions they always end up by trading the wrong pair at the wrong time. But if you do so, you can’t understand how the professional traders read the chart in a perfect way. If you do some hard work and you will notice the majority of the time the major currency pair movement is entitled to certain trading hours. You need to log this hour to find the great trades or else it will be nearly impossible for you to make money.

Know the charts

Before you trade Forex, you should know about Forex trading! There are naïve traders who enter the market without the knowledge of Forex. So, this is not the accurate methods to trade Forex. However, you should know about charts and the ways to read the charts. Before you make a decision, you should collect the information on the charts. As the charts will be illustrated in the form of a graph, you should know to read it accordingly. If you don’t have the ability to read, you wouldn’t be able to trade. Actually, chart-reading is one of the parts of trading. You should know the methods if you want to become a successful trader. Through chart-reading, you would be able to keep track on the current trades. And then, it will also help to build a way to create future trades.

Know the trends

If you look at the charts, data would be presented in the regular direction. You would be able to check the direction based on the instruments. Even though you assume that trading trends can be identified easily, it is not the case always. Every chart would differ from one chart to another. In some charts, you would be able to determine the trends easily and some other charts you would be struggling to determine the trends. You would find trends in a series of highs and lows, so you should take a decision accordingly. There are differences in bearish and bullish trends, so learn to identify trends properly.

Know the types of charts

The clarity of a chart is important for trading. You should have the proper understanding on the information the chart provides. Based on the information, your trading decisions would differ. Actually, there are different charts in the trading world, but only three type of charts are popular among the traders. So, as traders, you should have the understanding about the charts.