I am looking for proposal as to where on earth is the BEST place to invest $4000 right presently?
I have $19,000I am 42 and own NO savings! Long story as to why, but anyway..I am thinking a Roth but does anyone hold any better ideas? I plan on paying stale two credit cards totalling $1100, putting about $2000 within my checking account and $1000 within my savings story and then paying my bills which are roughly speaking $2687...leaving me near $12,213. Should I pay extra on my coup¨¦ payment? Should I wages extra on my mortgage? Thank you!!
Answers: i would pay extra on the mortgage, put it toward the principle. you will still enjoy the next months to come payments due but you lately cut back on the cost of interest therefor the house is payed stale quicker
No such thing as BEST. That is a subjective residence.
The Roth Ira is advantageous if you believe that your tax bracket at retirement will be equal to or better than your current rate. That seems incredibly likely given our current deficit. A Traditional IRA is better if your suspect your duty bracket will be lower.
I would advise you to put your money for a checking and reserves accounts in a high-yield checking rationalization that pays you 4% interest annually ( I am using charles schwab and i am satisfied)
If you are paying over 10% on your credit cards I would close them out now.. Or if you surface comfortable with some extra risk clear a new credit card that give you a 0% apr AND a zero percent go together transfer levy ( citigroup has one of those) you can income only minimum payments and not a cent within interest for a year or so.
As far as paying your mortgage or car grant are concerned I would always payment off the house first and later worry in the order of car. The house is an asset which could increase its attraction, while a car is an asset that almost other decreases within value ( unless you hold a very exceptional car). However, if your current job can support you and your lifestyle ( bills, mortgage payments, sports car payment) you should start putting the extra income into some retirement vehicles.
I assume that you don't enjoy any retirement savings as okay so If I were you I would start putting money into a ROth IRA , where on earth you can put up to $4000 per year. You should research if your current employer offers you a 401K, and you should particularly enroll in one.
If you really don't enjoy any retirement savings you should buy an index fund similar to VFINX with most of the money. What I own done is buy a basket of dividend paying stocks, that consistently increase their dividend payments over time. This creates a biddable income stream for me which is income which keeps on coming short any significant effort on my section.
I have a great investment concept I stumbeled across by accident when we become so broke in 2007 from Medications and have $125,00 in nest egg and lost our BMW and owe 4 payments!! I am 50! My husband got not at your best and it got us.
You never know what is ahead! So, we own been married for 19 years and he be raised poor. His Dad have given him some coins he had from over the year from the mint and some that "his" Mother have given him, so he gave them to my husband. Well my uncle be a millionaire and supplied natural gas from the Rio Grande Valley adjectives the way to Corpus Christi because as a child his Father have oil on their manor in Tampico, Mexico a short time ago by pure luck (must be nice huh?)
My Aunt even had a ring of Judy Garland's from Wizard of Oz. I am sure you know who she be.
I got a picture of "Shorty", the ultimate Munchkin alive that I just happen to meet contained by Round Rock!! Bid Deal HA!!
Anyway. When we got so down to the telecommunication, I took them to this coin shop and Gun Shop that I knew from my Brother surrounded by Law where he bought Guns. My uncle have looked at them once and he was an avid Gun collector and Coin Collectoor and blew it bad and said maybe we have about $500.00. So I get this red book that is "the Book" of Coins. Started going through it because I have found some weird looking ones and some weak dates. Well I started looking through this book and found some and thought Oh My God!! We hold some of these that are worth $1,000 and some up to even more..
So what did I do? Clean some.A BIG no no.
One was a first penny ever made that be called the flying eagle and be just charming but had a dim spot on it. Well I took all of the color bad of it and ruined it!! That one could of been worth thousands! Then I found some Shilling from the 1600's that be mega dollars! So now I have already cleaned some silver after the fact but departed the rest alone.
So, I am like freaking out and protective and thought my uncle did not bother because they be just thrown together.
So I stir in at hand and tell her I own this 1920 Peace coin from World War 11, they say is worth $20,000, she say no honey, only the proof. Then the 1889 Carson City Half Dollar worth profusely, No honey, then the Schillings? No honey you aspiration, those are just play tokens! So, I said I guess I be not meant to be rich.
But we did enjoy some really cool ones that I kept and made $1400.00. Some Lincoln Pennies were $39.00 respectively! The 1930's are worth a lot, the 40's and here is this one 1909 VDB that is worth $20,000! Imagine that, one Penny!! They are call wheat pennies and are made out of copper and copper is going to go up and the 150th anniversary from his birth surrounded by 2009 and they made a big deal out of George Washington!! Lincoln is the one i.e. so collectible, because it was the first coin I deem to have In God We Trust on it, I am almost positive on that one. After 1959 near was no more copper made. Pure that is to say. After 1964 no more pure silver, so a lot of stuff worth profoundly..some coins no longer made.1964 Kennedys big deal. Jacklyn Kennedy have so much clout, that she did not like the route his hair looked around his ears when the coin come out so she made them change it! Worth seriously for that one.
Now I find that they are making all kind of mistakes on coins now right and moved out and those can literally be worth tons. I have a 2004 nickle (buffalo) that have a crack in the dye and worth $135.00!! Quarters from Idaho they hold the wrong bird on them worth a lot, you would not believe it. It is so fun as a hobby, and those coins are categorically beautiful and you will start appreciating them. So, I bought a nice magnify glass that folds uo next to a light that have 8 times magnification, in a bit velvet case, I fetch that around like my lipstick and I am fixated about my lipstick, if I move off the house without it? I am crazy..I will turn around and come rear if close to the house if not I gain so mad, isn't that stupid?. You look at them within the dark to status them, it tells you contained by the book and that is the book every one go by and look at them under that lite, they are great to see and look at. You would not believe how several scratches you will find on a regular coin that looks pious from the naked eye. So when they say aloud Brilland Uncirulated or Proof, they mean flawless and they are! Not a splodge on them.
Make a great story.Gold in September that time was on the chalk board and said spot price. So I asked her roughly it, and she told me that gold be going to go up because of our reduction and the oil crisis and supply and emergency. Well being within a crisis, it is.
I had my Mother tender me a piece of jewelry that was a mexican peso next to a bevel on a chain that she give us girls (4) one year for Christmas and was going to hold to trade it in and some other stuff. We be waiting on my husband to get disability an minute but have to. She never bothered to tell us that surrounded by 1980's that gold go up to $850.00 during the recession. The highest ever.They bought $10.000 contained by late 70,s? Cashed $40,000! SHE SAVED IT ALL THOSE YEAR. AND WHEN SHE DIED IN 2005? WE EACH GOT $10,000 CASH DID NOT HAVE TO SHOW TO IRS, BLESS HER HEART. SHE WAS AN R.N. AND DAD DIED IN 1994 AND SHE WORKED UNTIL SHE WAS 74. HYPER, HYPER AND SO AM I AND I CAN TALK AS YOU NOTICE!
So, I have an 1810 silver coin, mind you silver was $11.00 an ounce, THEN. So I ask her, if you be my Mother what would you trade? The gold or silver coin? She said the Gold!! Keep the silver...It is an 1810 and pink and will never be made again and is probably worth $200.00 and the gold be worth $300 because it was a touch over a half of an ounce! So that silver have appreciated that much!
Now my husband gets disability and she is nice satisfactory to hold that coin because it came contained by two weeks. I go surrounded by buy $5,000 worth of gold at $660.00 an ounce. Paid 5% $275.00 on it. Got 7 coins, 7 ounces. Remember per ounce lone buy that right now.Today gold ingots is $910.00 an ounce! We have made a profit of $1200.00 approximately abstraction the initial $275.00 maybe for a while less surrounded by 3 months, and it is just sitting in attendance and the BEST PART? YOU DO NOT HAVE TO COUNT IT TO IRS ONE BIT...NEVER EVER..NEVER PAY TAXES..WE PAID 35% ON OUR 401K FOR TAKING OUT EARLY...NEVER PUT IT ON YOUR INCOME TAX AND IT IS LEGAL.WHERE WOULD YOU GET THAT ANYWHERE ELSE.
THERE ARE CERTAIN ONES RIGHT NOW THAT ARE PURE .999 GOLD AND ARE WORTH MORE THAN JUST THE REGULAR OUNCES BUT GOLD IS GOLD, ALWAYS BY THE OUNCE AND IF IT STARTS TO GO DOWN YOU LIQUIDATE. THERE IS A SITE CALLED kitco.com AND IT WILL TELL YOU DAILY EXCEPT FOR WEEKENDS THE DAILY STOCK MARKET QUOTES ON DAILY PRICES. IT ALSO WILL TELL YOU THE BID, WHAT TO ASK FOR. IT WILL DIP SLIGHTLY DAY TO DAY BUT THERE IS ALSO TO THE TOP OF THE PAGE A CHART PAGE TO CLICK ON. GO THERE, AND GO TO THE LEFT ON HISTORY OF GOLD AND CLICK ON ANYWHERE YOU WANT AND CHECK OUT THE RISE SINCE 911. SINCE DECEMBER 31ST! OMG!! JANUARY DAILY IT WAS AMAZING!! I WAS FREAKING OUT...IN 4 DAYS IT ROSE LIKE 40 D0LLARS!! THIS WAS DUE TO SAUDI ARABIA GOING TO PUT A HUGE CRUNCH ON US FOR OIL.
WE ARE IN A MAJOR CRISIS. IN ORDER FOR OUR COUNTRY TO BE BROKE WE SHOULD BE AT $7 TRILLION...WE JUST ROSE THAT TO 9. THERE IS A LOT MORE IF YOU GIVE ME YOUR E-MAIL. OUR BANKS ARE FAILING, SO I AM NOT TOO SURE ABOUT LEAVING MONEY IN THERE BUT THEN YOU NEED A BIG FIRE PROOF SAFE OR ONE THAT YOU CAN HIDE THAT IS NOT OBVIOUS. I WAS TOLD YOU CANNOT SAW THROUGH THEM, BUT BIG DEAL, IF SOMEONE TOOK THE SMALL ONE?
I SAID I WILL NEVER EVER LIVE THAT WAY AGAIN AND I WILL NOT. THERE ARE OTHER INVESTMENTS I AM LOOKING UP AND STUDYING NOW TO MAKE SURE IT IS FOR SURE AND YOU CAN DO AS LITTLE AS $10.00 TO MAKE SURE YOU DO NOT GET HAD AT FIRST.
I STRONGLY ENCOURAGE TO GIVE ME A CHANCE, IT WAS BY THE GRACE OF GOD THAT HE GAVE US BACK PAY FOR TWO YEARS AND BLESSED US WITH THAT MONEY. MY SISTER TURNED HER BACK ON ME. THE OTHERS? WE NEVER GOT ALONG BECAUSE I WAS AN ALCOHOLIC AND OUR FAMILY IS SO SICK..I AM RECOVERING FOR 5 YEARS AND GOD TOOK CARE OF ME, SO THAT'S FINE.
BUT I PAID SUCH A HEART BREAKING PRICE WITH MY FAMILY WHEN MY MOM DIED IN 2005 FOR NOTHING BECAUSE I AM THE BLACK SHEEP AND ALWAYS WILL BE NO MATTER WHAT I DO.
SO, IN THE BIBLE IF YOU DO BELIEVE IN GOD, HE TOOK CARE OF ABRAHAM WHEN HIS OWN BROTHER STOLE HIS SHEEP...TEN FOLD!! HE DID US TOO. THERE IS A GREAT POTENTIAL FOR YOU AND I PROMISED GOD I WOULD MAKE SURE THAT OTHERS WOULD GET HELP FROM ME AND ALL THAT THEY NEED FOR HIS HELP TO US. I AM NOT A JESUS FREAK, JUST SPIRITUAL AND KNOW FOR A FACT THAT IS WHAT HAPPENED.I WILL HELP YOU IN ANY WAY I CAN TO HELP YOUR FUTURE BE ABUNDANT AND FULFILLING..SO YOU WILL NEVER GO THROUGH WHAT WE DID, NO ONE SHOULD HAVE TOO. AND IT WAS HORRIBLE AND THERE IS SO MUCH MORE TO THIS STORY YOU WOULD NOT BELIEVE WHAT HAPPENED. WE WERE EVEN ELIGIBLE FOR MEDICAID, THE COUNTY, MEDICARE, AND A LOT OF PEOPLE KNEW, BUT DID NOT HELP...WE ARE SUING.
.WE EVEN GOT A LEMON CAR! BUT GOT IT FIXED AND HOPEFULLY ON OUR WAY...I LEARNED SO MUCH BUT ON MY OWN THROUGH THE INTERNET BECAUSE NO ONE BOTHERED TO HELP US.
I AM GOING TO GET PACKETS TOGETHER FOR ELDERLY AND ANYONE WHO NEEDS HELP THAT ARE OUT THERE THAT THEY DO NOT TELL YOU AND I SWEAR IT WAS BECAUSE WE WERE WHITE AND MADE $80,000 AT ONCE AND WERE EDUCATED...I AM A NURSE. THEY THOUGHT YOU CAN MAKE IT UP. CANNOT PROVE IT THOUGH. THERE JUST WERE TOO MANY MISTAKES THAT JUST WERE TOO FISHY TOO HAVE BEEN MISTAKES..I THINK THEY WERE INTENTIONAL, I WAS EVEN TOLD THAT I MIGHT NOT WANT TO WEAR MY JEWELRY WHEN I WENT TO TRAVIS COUNTY FOR HELP BECAUSE "IT LOOKED BAD AND GAVE THE WRONG IMPRESSION". WHAT DID THAT HAVE TO DO WITH THEN? I TOLD HER MY MOM GAVE THIS TO ME. SHE DID NOT HAVE A PROBLEM THOUGH TELLING ME THAT IF SHE WERE ME SHE WOULD HIDE THAT BMW!!
SORRY FOR THE LONG STORY, WANT TO HELP.
PLEASE GIVE ME YOUR E-MAIL AND WE WILL TALK BACK AND FORTH. THERE IS AN INVESTMENT IN PRE-1933 COINS AND THIS IS A REAL LONG STORY ABOUT ROOSEVELT IN THE DEPRESSION CONVISCATING GOLD FROM PEOPLE UNLESS IT WAS C0LLECTIBLE AND PRE-1933 IS. THEY EVEN ARRESTED OR TOOK HOMES IF THEY DID NOT TURN OVER...
GOLD TODAY HAS HIT HISTORY FOREVER $910.00 THE OTHER DAY! AND, THEY EXPECT MAYBE $2.000 OR MORE. I HAVE TONS OF INFORMATION FOR YOU!
jadeeandjojo
Is buying shares as a present a pious theory?
I was thinking of buying my dad a screening of shares for his birthday. It sounded like a correct idea because he can keep hold of track of them and it's an investment.Problem is, I have a restricted budget in the region of in the region of lb10 - lb15, and I have no experience of anything close to this.
Is it possible to get shares for such an amount, is it difficult to do, and would I enjoy to keep paying out for anything afterwards?
Also, I hold maths dyslexia so I'm worried I'm gonna get surrounded by way over my go before.
Answers: Yes .. BUT only if u know what u r doing, and also suffer in mind in attendance is cost (fees + stamp duty etc). In the past few days the stock market globally hold taken a really bad tumble. See this as an opportunity. Once the naive investors have adjectives been shaken sour the markets, the market will recover. History keep repeating itself and it WILL continue to do so. Do ur homework n buy solitary quality shares surrounded by your own country where u know best (PLEASE avoid scam from abroad however tempting), u cant step wrong if u stick to those companies that u know r not involved high risk businesses. Some UK shares also bequeath good dividends. Invest beside a long term panorama in mind.
emm it could be flawless if you had experience are worked within a line resembling this but i think it would be a bit complecated for a typical person.
i would stick to something you know he like .
YES, YES.LOOK UP www.low-coststock.com
CANADIAN OIL...YOU CAN INVEST $10.00 UNTIL YOU TRUST THEM AND GET A CHECK EVERY TWO WEEKS.
THERE ARE LIKE TOP 7!
AND GOLD GOLD GOLD......kitco.com
Gold in 1980 be history $850.00 WE BEAT THE ALL TIME HIGH $910.00! MAYBE TO GO TO $2,000!
LOOKS LIKE..GO TO kitco.com and watch on a daily basis stocks
At top of page click on history of gold.
Go check what you want and month and year.
Look at December 31st from to immediately! It went up approaching $40.00 in three days!! If you buy by the ounce just it is always worth its ounce surrounded by weight. Buy american merely . Silver is inexpensive and going up. Go to KITCO.COM.com and read history. Go to the top of the page and click on history charts and then click any month and year. Check out what have happened since 911. CHECK OUT AUSTIN RARE COINS THEY ARE THE TOP FOR INFORMATION. Some are more, popularity and .999 pure and grade. You dont need grade on new gold ingots. Swiss Francs are considered world wide trade.
You can liquidate at any time if you consider market drops. kitco.com give bids and what to ask for. silver is listed. Check out platinum. It be at $1200.00 in September and they said do not buy because it be too high and could not travel up any further. It is $1400.00 and ounce! Check out Rhodium! I am not sure what it is but you need to be successful to buy it and they are cleaning up! Copper will be worth it too...Go to Ebay and coin collect, look at mint mistakes today! Collect all state camp from 2000 to 2008 they come out ever so many years and to be precise that. All new nickels come out too. Go to the bank and buy rolls of stuff and never initiate at all, do not even look at them it counts against you. Those are considered uncirculated and will be worth something some afternoon. Copper ended within 1959. Lincoln pennies? First coin to have In God We Trust.1939's plentifully of them. There is a 1909 worth $20,000! And some double dies still now worth alot . Tons of mistakes very soon. State quarters the number one collector. You can buy a silver one for $2.50 uncirculated and put surrounded by a little grip that you buy and silver is going up. September Gold $660.00 Now? $910.00!
NON REPORTABLE..NO TAXES...NO IRS.AND LEGAL...
Lincoln 150th birthday 2009, BIG DEAL!! GO ONLINE LOOK UP ABOUT TODAY.COM AND LOOK UP TOP MINT MISTAKES, OR ALL LINCOLN PENNIES COIN MISTAKES OR KEY DATES, BUY A COIN BOOK THAT IS CALLED THE RED BOOK 2008. IT IS THE ONLY OFFICIAL BOOK RECOGNIZED OFFICIALLY BY ALL COLLECTORS.
NEW GOLD BUY BY THE OUNCE ONLY. YOU ARE TOO NEW TO KNOW HOW TO GRADE AND WILL GET HAD ON COLLECTING OLDER ONES. LEARN FIRST. GET A MAGNIFYING GLASS 8TIMES WITH A LIGHT A GOOD ONE AT A COIN SHOP. LOOK AT COINS IN THE DARK. FOLLOW THE BOOK IT WILL TELL YOU WHAT TO LOOK FOR. GET THE COIN COLLECTING FOR DUMMIES!!
EXCELLENT!
YOU CAN MAKE A LOT OF MONEY AND IT IS FUN!!
WHEN YOU SEE A COIN NOW THAT LOOKS NEW, LOOK AT IT UNDER THE LITE, YOU WILL BE SURPRISED HOW MANY BAG MARKS AND HOW MANY SCRATCHES ARE ON IT! TONS!! UNCIRCULATED? NOT A MARK AT ALL!! YOU CAN BUY 1950'S, 1960'S, AND UP NOW AT COIN SHOPS OF PENNIES NOT EXPENSIVE AT ALL. $7.00- $10.00.
SILVER BEAUTIFUL COINS? IT IS CALLED THE AMERICAN EAGLE BEAUTIFUL! WHY ARE PEOPLE BUYING IT?? IT HAS A MISTAKE, A MAN SAYS HE WILL PAY $150,000 FOR IT IF YOU FIND SOME MARKS ON IT THAT HE CALLS "MILK MARKS" THEY ARE JUST SPOTS.
IMAGINE THAT!!YOU WILL LEARN TO APPRECIATE A PENNIE!THE FIRST TO SAY IN GOD WE TRUST??
HOW COOL. I HAVE A 2004 BISON NICKEL WITH A CRACK IN THE DYE. YOU CANNOT SEE WITH THE NAKED EYE, THE INTERNET TELLS YOU WHAT TO DO AND WITH THE LIGHT YOU CAN SEE IT AND I HAVE ONE...IT IS WORTH $135.00.
GO TO E-BAY!! CHECK IT OUT..IT IS A GREAT HOBBY AND YOU WILL NEVER BE THE SAME ABOUT CHANGE. I WILL NOT LET MY HUSBAND SPEND ANY CHANGE AT ALL, IT IS HILARIOUS!!
BEST OF ALL...NON REPORTABLE..NON TAXABLE..EVER...CASH ANYTIME...LEGAL..KITCO LISTS BIDS AND WHAT TO ASK FOR. IF GOLD DROPS? LIQUIDATE.
HAPPY HUNTING!
jadeeandjojo
give e-mail if you want, I convey great jokes too!
Are we going to see a single day four digit drop in Dow within next one month ?
Answers: We're definitely going to witness an interesting day tomorrow, as the Dow futures are predicting an open approximately 4% lower. If we were to see a four-digit drop, tomorrow would be the day, although I doubt it. Buyers have been on the sidelines with bundles of cash, waiting for capitulation like this to take place. Therefore, if we do see a substantial decline, it is very likely that some of them will put money to work, as it could be a signal of at least a short-term bottom. Market valuations are approximately 10% below historical averages, boding well for us being closer to a bottom than a top. Should the S&P 500 decline over 4.67% tomorrow, it will officially enter a bear market, with a 20% decline from October highs. It is likely that the markets will continue to decline until there is some clarity as to the extent of the weakness in our economy, however, this decline will likely be spread over a period of time, and not all at once. Just some thoughts, I hope they helped.
Best of luck!
Brendan Prewitt
President, New York Capital Investment Group LLC
no
there is protection
most likely not in the next week, but soon. Everyone is scared of the possible U.S. economic recession that people are selling shares worldwide like mad. with more selling than buying, the dow will definitely drop by a large amount
Most likely tommorrow. Dow Futures are down 514 right now (11,500 mark) so you can expect tommorrow we might open down 700 points and then the panic selling happens.
*EDIT* Just checked and Asia is down about 5% AGAIN so far. Thats over 10% in two days. its really going to be a bloodbath tommorrow.