Rollover?
Question:
Why do Insurance Agents like to rollover people's 401k into and Trad. IRA afterwards stuff it into an annuity?
Answer:
Well the only time you would ever roll out of a 401K and into anything is because you vanished the company. If you roll into a traditional IRA, which is the wise item to do if you want greater freedom with your investment choices, next THE LAST THING YOU WOULD BUY IN AN IRA IS AN ANNUITY! First an annuity is tax deferred. Your traditional IRA is already import tax deferred, so this is redundant. Why do Insurance Agents do this? Well, being Insurance Agents this is probably what they enjoy been trained to do. That is not expected with any disrespect to Insurance Agents. But lots times they may be trained to do this.
In a traditional IRA you can invest in stocks, bonds, mutual funds, bonds, some constrained partnerships, section investment trusts and many more things. Oh and yes, an annuity if you would similar to.
So the traditional IRA makes closely of sense.
Probably because they will get remunerated on investing money into an annuity (and won't get salaried if your money stays in your 401(k) plan).
Because it become part of their sketch and they collect fees for this.
Annuities can be a good investment contained by some cases, but carefull research is required to make that determination.
///
Share certificate..selling...?
Question:
i have the hard/physical copy of share certificate, can i go to ANY broker to SELL them? what are my choices/restrictions? UK QUESTION.
gratefulness!
Answer:
yeah, as long as the certificates enjoy your name in attendance
got to prove that they are yours
A sound out around covered nickname option?
Question:
I wrote a covered call by using the "provide to open" choice. I bought stocks a week ago for $25 and I wrote the covered call for $30 and it expires within March. The premium I got on the picking was $.90 a share which come out to $90. After the transaction was complete, my bread value surrounded by my account go up $90. However, why did the value contained by my balances/positions go down by $100?
Thanks.
Answer:
Don't verbs about that. As long as the strike price is properly above what you bought it for, there's a pretty low chance it will extension up in the money on the sunshine of expiration. You collect the premium no matter what surrounded by the money or out of the money. If it's a covered call for a strike out of the money, at hand is no way you lose money (unless it's a doomed to failure company and the share price drops drastically below your principal and u decide to sell).
Remember this: Most option expire worthless. Call option writers win more than partly the time. Those is great odds.
The with the sole purpose downside I can think of is if you start writing minus having owned the stock for more than one year, surrounded by which case, if the leeway ends up in the money you any have to buy a contract to neutralize the position to avoid short term wherewithal gains or you'll shutting up selling the shares at the strike price. But if you are in a low excise bracket it's no big deal.
If you can't recognize this message, you need to read up more on option or email me and I can explain it further.
Always test using option with one contract similar to you did.
I still remember the first day I ever bought an choice. I was so pist I get beat for the bid/ask spread. It's easier to digest next to one contract than 25 or 50 contracts. BTW, what stock is this for?
The option must enjoy gone up to $1.00, which would have resulted surrounded by a $10 loss.
You are short the option, which funds you lose when the price goes up.
I agree that the price of the telephone option may enjoy increased, which is why your balance is down.
That's what you seize for playing in a ultra-complex team game without knowing adjectives the rules.
Stick to Texas Hold Em stud.
Can you do this?
Question:
Invest in Fidelity, Vanguard, T.J Rowe or something can you do adjectives three? Is there anything that prevents you after you purchase or is it a angelic idea to do that?
Answer:
Yes you can buy funds from any fund provider. Keep within mind there are 4 types of Mutual Funds. 1. Loaded funds. 2. No Load funds beside a transaction fee 3. No nouns funds no transaction fee, usually the fund will require you to hold the assets contained by the fund for a set time frame 4. Mutual funds you purchase, for example T Rowe Price are no load funds they never charge a excise to purchase thier own fund, but some funds require you to hold the assets in the fund for a set time frame. Uusally it's 3 to 6 months depending on the fund.
sure you can as long as you enjoy the minimum amount to purchase them but I like no nouns funds (they do not charge a fee for buying or selling them) better.
Yes, you can enjoy funds from every company. But it would make everything more complicated. Each of the three you nominated have a big selection of diversified no-load funds to choose from. Find ones near a good long occupancy manager and return history. Most funds don't flay the S&P index (Vanguard has a obedient S&P index fund) A very few do. choose judiciously.
I'm planning to invest for the raining days BUT@@$$$??
Question:
I'm planning to invest for the rainy days but I can't concentrate! (I'M 15 YRS.OLD)BECAUSE I'VE GOT 2 celphones w/c obviously I've got to buy loads for it regularly..PLEASE GIVE ME SOME TIPS ON HOW Could I prudently invest.PLEASE NO MONEY MAKING STUFF from the INTERNETTHANK YOU FOR YOUR OPINIONS!! GOD BLESS
Answer:
well at 15 I say aloud get rid of one cell phone, no involve for two I wouldn't think. Other than that, not a adjectives lot you can do at 15 except put it into a savings. If you enjoy a good amount of money that you could squirrel away, u could look into if someone can open up something at a edge, like a CD(certificate of deposit) or Money Market Account contained by your name. If you can't use your heading then use a guardians christen if you have to and consent to the money earn interest until you are able to put it surrounded by your name. Hope that help a little. I used to deliver papers at your age so times hold changed.
don't invest in anything.you are extremely young.wallow in your childhood life first
You lone need one phone.
To invest, you want your parent to open an accont for you.
Put it surrounded by an online savings information and get over 5% interest.
ie. HSBC
This route you can use it when you need it and at alike time get a giant rate of return.
If you want to invest in stocks, unambiguous an account if you enjoy over $10,000. Otherwise, it's better to buy mutual funds directly from Janus, T-Rowe Price, Vanguard, or other no load mutual funds.
if the govt. contracted interest income from bonds is no longer taxable, what would transpire to interest rates?
Question:
Answer:
The effect of bonds on the interest rate is too small to make any difference.
If what you voice happens, the on the spot effect would be for bonds to become a more attractive vehicle for investing/saving. This would probably cause some rise within price, and their yields would drip as a result.
The end effect would be that the bonds will settle for a let go about where on earth municipal bonds now grant ( Munis are totally tax free as you know ). The exact relinquish would be dependent on the credit quality of the bonds themselves - assuming they are corporate bonds.
US Treasuries would settle almost exactly at where on earth minus are, since their credit rating is AAA, the highest possible.
If you are hoping that interest rates for motor loans, mortgages, and credit cards would change, this will not come to pass. Such rates are not dependent on the taxability or non-taxability of bonds, just on the greed of the lenders.
Interest rates would dribble due to the increased demand for bonds.
Interest rates would decline. You can see an approximation of this by comparing the rates of taxable and tax-exempt bonds at virtually any point within time, past or present. The interest rate for tax-exempt bonds is other lower than that for bonds paying taxable interest.
Nothing.
What is the concept of "required return"?
Question:
Answer:
Before 1953 Shares of companies were priced messily through supply and demand. Then Prof. Markowitz a student at Un. Chicago formulated that stock returns should echo the risk involved in holding them. He come out with the leading Capital Asset Pricing Model where the required rate of return is calculated base on risk factors.
It is , ks=krf+beta(km-krf) where on earth, krf is the risk free return or discount rate or short term t bill rate, beta is the percentate movement of stock to percentage movement of the bazaar index, km is the return on market portfolio. Beta computation is little complicated. It is the Covariand of Market return to Company return divided by Market return squared. It is again not that simple as stated. In practice it is calculated with surrogates the return on investment of a company for former times 15 years which is the surrogate for the company return and the price of the company for the past 15 years which is the open market return. When this is substituted in the covariance equation given above you catch beta and when all these are substitued contained by the other equation you get the required rate of return. This required rate is the return a company should provide to its stock holders for the risk they embark upon to carry the stock.
Investing money. Should I buy gold ingots or art?
Question:
I don't want to put it in a wall (US$235,000). I need some liquidity so no house at this stage. Should I buy gold jewellary or art. I live within Japan and there is some wonderful art for mart here. Should I buy it and sell it when I grasp back to the West within a few years? I gold going up or down. I enjoy never had excess money in the past and I can't just enjoy it lying around in my apartment. Ideas please.
Answer:
If you hold $235,000 and wants liquidity, you should put it surrounded by HSBC online saving's account for 5.05% interest. Put some of it within GLD, gold index stock. You can buy and supply anytime. Also, it's very fluid. Art is not liquid at adjectives, you need to buy and hold for years. Also, are you an expert contained by arts. If not, don't waste your time. You inevitability to be an expert to profit from it. It's not easy finding a buyer close to stocks.
If you want something to show off to your friends contained by your home. Then art is a good choice, a moment ago like buying a BMW sports car.
To get the most for your investment, invest surrounded by the following:
$50,000 in GLD stock (gold)
$50,000 surrounded by XLE stock (energy)
$50,000 in EWH stock (hong kong index) it's the heart of Asia.
$85,000 contained by HSBC online savings (5.05%)
Online reserves is like buying a 1 year disc.
It as liquid as it get.
gold. more the better.
ART.
FAR MORE VALUABLE THAN GOLD.
Dear Madam,
I can assistance you in investing you money. You can deposit surrounded by HDFC bank contained by my account number and I will money you 3% of the total amount deposited. I am giving my account number to you HDFC Bank Act No. 0031140023391, Name Deepali Sharma, Bank Branch KG marg, Conaught Place, New Delhi-110001, India. You can any touch base beside me at deepali292003@yahoo.com or speak to me at 009899022118. Hope to hear from you soon.
well, Suzee. The problem beside buying gold, or art, or jewelry is that their is a huge liquidity problem. Art and jewelry hold a lack on peddler and buyer side, as well as they are not commodities, they are new items.
You can buy gold surrounded by the market, but it fluctuates up and down. Your go point, may not earn you any money, may even cause a loss. Plus near is a lot of fees contained by trading gold directly.
You should put the money into a BANK. You should interested a simple savings picture and put the money there directly. Then, you can build a c.d. ladder, which maintain liquidity but gives you a better return. Or you can buy political affairs notes, buy corporate debt, or invest within stock. Remember that as your return increases so does your risk.
A simple no risk investment with complete liquidity is an online nest egg account the the rate of return is nearly 5% annually now which is roughly $12000/year. That's pretty apt for doing nothing. Don't forget the power of compounding too, if you are not using the money.
Check out:
U hold 2 choises either to buy Gold or short occupancy investments which i think it's much better
and you can add on a third option is to make a contribution it to me and it will be the most appriated
Buy Streettracks Gold on the New York Stock Exchange
The last price is $65.27. GLD is the ticker symbol.This is the most soft instrument following the gold price dollar for dollar. Buying and selling commissions as very well as safekeeping fees are very low.
Physical gold ingots is trading at $659
Art is not liquid.
Every one within the states don't pay bazaar value of gold ingots. I am not sure about sculpture I imagine they would be tricky to sell and find buyers. I ponder rare swords would be a well brought-up investment every man likes them. You could deal in them on EBAY.com.
Investment is about strategy and the sayings go dont put your boobs all surrounded by the same bra SORRY I penny-pinching TO SAY, dont put all your eggs contained by the same picnic basket. The weighted investment portfolio should look something like this.
1. 40% [$94,000] - GOLD
2. 40% [$94,000] - ART
3. 20% [$47,000] - charlie mike
Since you are contained by yen. And dollar is expected to head south. You might not want too much US$ Gold exposure.
And as to Art. Its low liquidity. But if you love a drawing and the subtelty of life, why not ? Consider seriously some Australia Aboriginal drawing. Put maybe 10% of the 40% allocation. Its resembling undervalued "stock" at the moment. But the time will come for them. As it is there is already some stirring. One time it will go. Like the stock mkt, every stocks own its day when they run out of things to play. Sorry for the cynicsm but I cannot gain my point across enough nearly Australia Aboriginal Art scene. Not that far from New Zealand by the way. Ha ha. And your Avatar really attain me going. But I shall stop here.
ps juz kidding - 10 pts will do.
contained by the 1850's an ounce of gold would buy a nice suit. Today an ounce of gold ingots will buy a nice suit. Gold is stable. Art. can go from a couple thousand to millions within a few years. There is a lot smaller amount valuable art than here is gold. And every daytime more gold is mined. Rembrandt quit drawing a long time ago.
What is the best approach to invest $100,000 brass?
Question:
Answer:
I would put it in a REIT fund such as UMREX.
Index fund.
You want to consult a professional money manager. Don't rely on Yahoo for answers to something similar to this. You need professional guidance.
Go one week within Las Vegas and try your luck on CASINO!
Think about something you love and you can do. afterwards check how many being in your nouns can do the same. because contained by marketing i believe first in closing out , as long as you are upgrading your service or your product.
For the amount you mention - or, for that matter, any sizable amount - the answer depends on your aim within making that investment. If you wish to own the money grow over an extended period of time, you might select growth stocks or growth mutual funds. If you craving to generate current income, you choice might be bonds, or stocks that pay unsparing dividends. If your goal is to minimize taxation on income produced by such an investment, you would select tax-exempt securities. There are other option. The choice depends on what you want the money to do for you.
ETFs, Mutual Funds, REITs, Options and Stocks with the give a hand of a Portfolio Manager.
100,000:
20% - CD from a hill. Yields around 5.5% right now.
20% - REIT or other high-yielding stock. Shippers, Finance companies, utility, canadian grease trusts all fit this criteria.
20% - Mutual funds
20% - High-quality Dow stocks. WMT, UTX, AA
10% - Stock you've researched and resembling. Stock that is growinging returns like CCL, CHL, NJ
10% - Cash
Good Luck
thorny money /private money loans get within with a accurate loan person who works next to hard money lenders. I've be in concrete money for 12 yrs and i can get 15%- 18% If your someone who doesn't similar to any control stick with stocks.. you grasp hit on both sides of buying and selling... study up on hard money loans and you can't thump them...
The thing that make the stock market attractive is that what you get hold of from it correlates to what you put into it. I am not referring to money. To a seasoned investor, $100,000 represents a future effectiveness of anywhere from $150,000 to $200,000 in five years. The best method to get the most for your investment is next to solid information from an accredited investment advisor. (Notice, I did not speak financial planner. The reason is that most planners are not investment experts.) With a veteran helping you to put a strategy together, your money should grow at a rate of 10% to 20% per year for as long as you are invested. I also advocate that you don't invest until you get a even-handed idea of how the plan will work for you. A accurate advisor will try to educate you to the extent that you will be capable of make your own decision over time. If you asked the American Automobile Association (AAA) how to get from Chicago to Phoenix, you wouldn't expect them to do the driving.
Also, devise twice about over diversification. It's a technique used by race who lack insight and confidence. Index funds are an example of over-diversification. Since you hold taken the time to pose your question contained by this forum, you deserve to know that some of the best investments, right now, are within the fuel and food industries. If I were your advisor, Scottish Power (NYSE: SPI) and McDonald's Corp. (NYSE:MCD) would be two of your core investments. Please don't pass judgment this information by the price you paid to grasp it. All the best!
Hawk
Hard money loans with a trustworthy broker, find someone who have successfully invested with them. You will any end up next to a great return on your money or a piece of real estate.
If I become a stock analyst will nearby be restrictions on the stocks I can buy?
Question:
Because it may be seen as insider trading. What if I become a corporate advocate and I don't plan on buying any of my company's stock. Are there restrictions on that?
Do you know of a site that explains adjectives this?
Answer:
No, but the financial firm you work for may not allow you to trade, if they do they can request to have copies of your statements forwarded to them. It is an SEC guideline that adjectives registered NASD associates provide a letter from the firm you work for wether they will require duplicate statements or not previously opening a unknown trading account. If your puchasing stock for the company you work for, you will be required to registed the purchase or public sale request with the NASD.
not by you employer or licsence holding ability,
why are you a plumber, your name is permeate funk
its like when i chomp through food it turns into junk
or is that simply where someone stunk
what else is within my trunk
what are the differences of the mutual funds,rule funds, index funds and what is the best passageway to put my?
Question:
$500 in these funds? should i basically buy some stocks with it? i want to engineer my money grow but putting it in money account will not gonna net money that much..please help!
Answer:
The best prime financial advice I ever read be at smartmoney.com. It is the website for SmartMoney magazine. Here is the link. http://www.smartmoney.com/university/...
They enjoy a course called Investing 101 that is to say a great place to start. Please read it. Take some time (30minutes a night) and it will bring you up to speed on the basics of investing.
_______________
A mutual fund collects money from tons investors and invests in stocks, bonds, gold ingots, real estate - anything is needed to meet its stated investment goal.
By government funds, I assume you are referring to a mutual fund that invests within government bonds.
Index funds are mutual funds or exchange traded funds that buy adjectives or a representative portion of all the stocks or bonds contained within a specific index like the NASDAQ or the Dow.
If you freshly have $500, you will enjoy trouble meeting the minmums of most mutual funds - unless you can put the money into a IRA - which is a devout idea surrounded by any event since it allows your money to grow tax free.
You could look into a program approaching Sharebuilder or contact some discount brokers like Schwab and see if they will agree to you open an narrative for that amount of money. You could then invest within Exchange Traded Funds like Diamonds or Spiders - nearby are hundreds of them . The advantage is near is no minimums and lower management expenses.
There is profoundly you have to revise before you start investing. Read Forbes or Kippinger's Magazine or receive a copy of Andrew Tobias'
"The Only Investment Guide You WIll Ever Need."
I suggest Diamonds (AMEX:DIA)
Purchasing bonds at a superior convenience?
Question:
Suppose I purchase $600,000 of 6% bonds of Company X, Inc., for 105 on Feb. 23...
How would I record the extra 5% rewarded for the bonds in an accounting review?
Like this?:
Bond investment 600,000 Debit
??? 50,000 Debit
Cash 650,000 Credit
If so, what is the "???" to be called? paid-in-capital... within excess of what? And do I include the 5% for interest payments?
OR like this?:
Bond investment 650,000 Debit
Cash 650,000 Credit
PS...excuse the Y! Answers formatting.
Answer:
Bonds are a crazy animanl. In your example your purchasing bonds at a premium price here is my example Par is alaway 1000
1001 +
stock price--Nominal Yield-- Current Yield---Yield to Call--Yield to
^ Maturity
999 -
Think of it similar to a see saw. Now to answer your question Bonds Purchased at a premium you will amortize a set $ per year to digit out total amortization multiply your amortized amount x years hold the bond
Amortized amount = par(1000)-Puchase Price/ Years to Maturity
As you amortize you will be decreasing the amortized amount from the original cost next to figure our gain and/loss just subtract the in tune cost from the original sale price. Each year you amortize you must report this to the IRS.
well any time some one buys stock, he cant procure people around him to want that stuff anymore,
so singular one person is moved out who can buy stock and gain money,
thats why people win ideas that arent theirs for eveyone to use
Your second guess is more close to it. You need not enjoy to show the premium paid bar in foot resume or end transcription. Put an asterix and show it down.
How do credit card companies manufacture money?
Question:
Answer:
Interest, annual fees, late fees, transaction fees, and counting on society to make with the sole purpose the minimum payments so they end up paying 3 times the amount they truly borrowed in the first place.
Through interest on unpaid balance, through selling you insurance, through their annual fees.
Also through the 2.5% or so fee they charge the businesses on adjectives their credit card transactions.
what are long possession equities?
Question:
Answer:
The best way to work out this is to break the terminology into two parts. The first cut is long-term, which takes into description the maturity or manner of an investment asset. The second part is the actual asset that you are investing surrounded by, which in this casing is equity or stock. Naturally, any stock that you decide to invest surrounded by has to be held for a time of year of time. This period of time can be as little as a few days or a few years. Depending on your individual risk aversion, you may want that I wish to earn a return of x% over a spell of y years. Naturally, you will make adjectives your investment decisions such that this investment target is met. In conclusion, if the article you read refers to any particular equity instrument as long possession, the analyst is perhaps indicating that the perception of the flea market is to invest in that stock for atleast these abundant years so that any investor can generate a reasonable return. Arguably, one can assume that a short occupancy equity is between 1 day-6 months, and a long-term equity is greater than 6 months.
dont know but you might find your answer in here http://en.wikipedia.org/wiki/equities...
Long permanent status refers to how long you hold a particular stock, not to the stock itself.
What is long residence differs depending on what you are talking give or take a few. It might be one year for tax purposes or any longer time frame depending on your investment objectives.
What stocks?
Question:
i'm going to be playing the stock market spectator sport in college, and i was wondering what would be some worthy stocks to pick. any suggestions?
Answer:
I know of two that I did not but a month or so ago when I did my stock project... and they went up alot...
Nucor - Nue - it is a Steel Processing company... it go up like 20$ surrounded by the two to three weeks i did it.
also...
Lockheed Martin - LMT - it is a aerospace technology company... it went up approaching 14$ in the two weeks I did it...
Nucor is the best one though...
gl.. and if you necessitate any help permit me know...
hey also, my teacher give me three different sites to look at...
http://www.nyse.com/about/listed/industr... is for the beginning to amount out of your stock is in the NYSE
http://www.dallasnews.com/business/stock... be for the stock quotes themselves...
and hoovers.com is for the information about the companys.. close to the profiles..
Walmart is solid. Dollar General is growing.
It depends on the money you have to spend and the time the investment hobby will last. Short occupancy investments with a necessitate for profit potential will require a more risky portfolio. Myself instead of playing individual stocks I would select and broad range of ETF(Exchange Traded Funds) and also Index Markets (s&p 500 AKA Spiders, NASDAQ AKA QQQ) Etc. Stocks next to volatility I would look at G00GLE, Reaserch in Motion, Apple, Berkshire Hathaway.
Surveysays Mircosoft and G00GLE and the most popular twwo. In my judgment!
Health stocks(baby boomers are getting old,don't want to concede it,and are wealthy).Blue chips for necessities(proctor-gamble,gen... foods)index funds.All steady performers.Some tech's are poised to do well(microsoft,hp)
Diversify, place 50% surrounded by US based Blue Chips,(Not US Automotive) 40% within established diversified overseas stocks in China, India, and others, and 10% on knowledgeable high risk. Do your homework in the past you commit funds and shop for the best broker-house/deals. You may want to look at some futures in alternative fuel.
You might to check out http://www.top10traders.com - in that are a lot of pious traders. You can see their investment ideas. You might want to mention to your instructor, that the site can host your stock market winter sport by creating your own "group".
Hope this helps.
MTW is the with the sole purpose one you need look at its history!