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Shareholders in Bell Financial Group (ASX:BFG) are in the red if they invested three years ago

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Shareholders in Bell Financial Group (ASX:BFG) are in the red if they invested three years ago

As an investor its worth striving to ensure your overall portfolio beats the market average. But the risk of stock picking is that you will likely buy under-performing companies. Unfortunately, that’s been the case for longer term Bell Financial Group Limited (ASX:BFG) shareholders, since the share price is down 32% in the last three years, falling well short of the market return of around 21%. Shareholders have had an even rougher run lately, with the share price down 11% in the last 90 days.

Since shareholders are down over the longer term, lets look at the underlying fundamentals over the that time and see if they’ve been consistent with returns.

See our latest analysis for Bell Financial Group

While the efficient markets hypothesis continues to be taught by some, it has been proven that markets are over-reactive dynamic systems, and investors are not always rational. By comparing earnings per share (EPS) and share price changes over time, we can get a feel for how investor attitudes to a company have morphed over time.

Bell Financial Group saw its EPS decline at a compound rate of 14% per year, over the last three years. This fall in EPS isn’t far from the rate of share price decline, which was 12% per year. So it seems like sentiment towards the stock hasn’t changed all that much over time. It seems like the share price is reflecting the declining earnings per share.

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The image below shows how EPS has tracked over time (if you click on the image you can see greater detail).

earnings-per-share-growth

This free interactive report on Bell Financial Group’s earnings, revenue and cash flow is a great place to start, if you want to investigate the stock further.

It is important to consider the total shareholder return, as well as the share price return, for any given stock. The TSR is a return calculation that accounts for the value of cash dividends (assuming that any dividend received was reinvested) and the calculated value of any discounted capital raisings and spin-offs. Arguably, the TSR gives a more comprehensive picture of the return generated by a stock. As it happens, Bell Financial Group’s TSR for the last 3 years was -18%, which exceeds the share price return mentioned earlier. The dividends paid by the company have thusly boosted the total shareholder return.

It’s good to see that Bell Financial Group has rewarded shareholders with a total shareholder return of 26% in the last twelve months. And that does include the dividend. Since the one-year TSR is better than the five-year TSR (the latter coming in at 12% per year), it would seem that the stock’s performance has improved in recent times. In the best case scenario, this may hint at some real business momentum, implying that now could be a great time to delve deeper. It’s always interesting to track share price performance over the longer term. But to understand Bell Financial Group better, we need to consider many other factors. For instance, we’ve identified 1 warning sign for Bell Financial Group that you should be aware of.

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Rodriguez fires campaign manager over finance filing issues – Civic Media

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Rodriguez fires campaign manager over finance filing issues – Civic Media

MADISON, Wis. (Civic Media) – Lt. Gov. Sara Rodriguez, a Democratic candidate for governor, fired her campaign manager Sunday after discovering problems with campaign finance filings, her campaign said.

The campaign said the person was terminated effective immediately following an internal review that found “serious mismanagement and inaccuracies” in reports they prepared. Staff identified the issues late last week and alerted Rodriguez, who then moved to secure campaign accounts and remove the staffer.

The campaign said it plans to contact the Wisconsin Ethics Commission on Monday to correct the filings ahead of a key reporting deadline Wednesday.

Full statement below.

“The Sara Rodriguez for Wisconsin campaign has terminated its campaign manager, effective today, after discovering serious mismanagement and inaccuracies in campaign finance filings she prepared. An initial review found that the manager filed inaccurate and incomplete campaign finance reports. The campaign will be in contact with the Wisconsin Ethics Commission first thing Monday morning to ensure the inaccuracies are corrected. The moment Sara learned of these inaccuracies, she acted swiftly and decisively removed her. The campaign will continue to build support to win in August and beat Tom Tiffany in November.”

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Wedding budget: How to decide what to spend on your big day

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Wedding budget: How to decide what to spend on your big day

Weddings, and the amount they cost, can run the gamut from a small, DIY ceremony in the backyard to a massive bash that shuts down Madison Square Garden. Obviously, the latter may only be within reach for certain pop stars and their football-playing partners, but that still leaves a wide range for how much you and your soon-to-be spouse could potentially spend.

When making the determination, it is important to weigh two things: making your big day a special one and honoring your financial reality. Your wedding may mark the start of your next chapter, but your finances are what will largely shape your future as a married couple.

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PERSONAL FINANCE: Finance 101 — the lessons every college-bound kid should learn now

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PERSONAL FINANCE: Finance 101 — the lessons every college-bound kid should learn  now

Sending a child to college marks an important milestone for families, bringing both new opportunities and natural questions. It’s often the first time students manage money independently while balancing classes, new responsibilities and newfound freedom. This transition also creates a valuable opportunity for parents to guide and teach their children how to build strong financial habits.

While it’s easy to focus on major expenses like tuition and housing, the everyday financial behaviors students develop during this time can shape their future long after graduation. College presents an ideal environment to introduce foundational financial skills in a real-world setting where the stakes are manageable, but the lessons are meaningful. The following areas highlight key lessons parents can help reinforce as their child begins this new chapter.

Understanding cash flow matters more than ever

For many students, college marks the first time money is not simply “there” when they need it. Whether funds come from a checking account, part-time work, or family support, learning how to track income and expenses is essential. Teaching students to understand the difference between fixed costs, like rent or meal plans, and flexible spending, like entertainment or dining out, can help them avoid running short before the semester ends. A simple budget can be a helpful tool that builds awareness and confidence.

Credit is powerful

Credit cards are often heavily marketed to young adults, but few understand how credit really works. College-bound students should recognize that credit is not additional income; interest can accumulate quickly, and payment history plays a critical role. Developing habits like paying balances on time, keeping utilization measured, and regularly reviewing statements can help build strong credit rather than costly missteps. These early behaviors often shape long-term financial health.

Saving is not just for later — it supports flexibility

Students may assume saving can wait until after graduation, but even modest savings during college can serve an important purpose. Emergency expenses, unexpected travel home, or gaps between part-time income can derail finances quickly without a cushion. Understanding the value of saving, even in small amounts, helps students experience firsthand how preparation creates options and reduces stress.

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Financial decisions reflect values

College is often when young adults begin defining what matters most to them. Encouraging students to think about how they spend money, and why, can help align spending with personal priorities. Whether it means minimizing debt, prioritizing experiences, or saving for future goals, learning to make intentional choices fosters independence and accountability.

The goal is not perfection, but to equip students with practical tools and a healthy relationship with money as they enter adulthood. For parents, this means maintaining open conversations, setting realistic expectations, and providing ongoing guidance that can help build confidence in financial decision-making. For families navigating this transition, a financial advisor can provide clarity, outline long-term implications, and help balance education goals with future financial independence.

Bronwyn L. Martin is a Financial Advisor and Chartered Financial Consultant with Martin’s Financial Consulting Group, a financial wealth advisory practice of Ameriprise Financial Services LLC. in Kennett Square, Pa. and Havre de Grace, Md. She specializes in fee-based financial planning and asset management strategies and has been in practice for over 25 years. To contact her: www.ameripriseadvisors.com/bronwyn.x.martin.

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