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Pink Sheets and Penny Stocks: What I Learned

A few years ago, a reputable investment newsletter recommended a pink sheet stock. The writer briefly explained its riskiness for various reasons, including its lack of inclusion in the big leagues of major stock exchanges.

That mention prompted me to learn more about pink sheets, referencing the color of paper the stocks used to be listed on, and penny stocks, referencing a stock price of less than $5.00. I became intrigued with the concept and decided to learn the difference between equities traded on major exchanges and those traded over-the-counter (OTC).

Pink sheets and penny stocks, which are generally traded over the counter, are often touted as nontraditional ways of making lots of money. Just as growth in financial net worth can be a tool for thriving, losing money to worthless and misunderstood investments can thwart the achievement of my goals. So I did some research to determine how to best consider these investments and here’s what I uncovered:

Choices for Starting Social Security Benefits (Spreadsheet)

When I decide to start receiving benefits affects my monthly Social Security check for the rest of my life. That is, if I choose to collect checks prior to normal retirement, then the monthly amount is reduced; likewise, if I wait until I’m past regular retirement age, I receive a bigger monthly check. So, among the retirement decisions that I need to make, this one seems fairly significant.

How to Set Up a Personal Finance Spreadsheet

When presented with general concepts or rules of thumb relating to personal finance, my brain resists automatic acceptance. My look-under-the-hood tendencies rebel when I hear a statement like “it’s always better to invest rather than pay off debt” or vice versa.

To truly understand an idea (and prove or disprove its claim), I love to design a spreadsheet. Using this tool, I can break down a concept and illustrate how it works or demonstrate where it falls apart.

In this article, I’ll explain the basics of setting up personal finance spreadsheets, including how to design formulas with financial functions like PMT (payment), FV (future value), and PV (present value).

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